FHA Loan Calculator

Estimate FHA principal/interest with financed upfront MIP and quoted first-year insurance.
Results
Financed upfront MIP
$5,250
First-year monthly P&I plus quoted MIP
$1,967.63
Scheduled monthly payment
$1,830.13
Payments until payoff
360 months
Total principal and interest
$658,846.07
Total interest
$353,596.07
Amortization schedule (CSV)
Month,Payment,Interest,Principal,Balance
1,1830.13,1526.25,303.88,304946.12
2,1830.13,1524.73,305.40,304640.72
3,1830.13,1523.20,306.92,304333.80
4,1830.13,1521.67,308.46,304025.34
5,1830.13,1520.13,310.00,303715.34
6,1830.13,1518.58,311.55,303403.79
7,1830.13,1517.02,313.11,303090.68
8,1830.13,1515.45,314.67,302776.01
9,1830.13,1513.88,316.25,302459.76
10,1830.13,1512.30,317.83,302141.93
11,1830.13,1510.71,319.42,301822.51
12,1830.13,1509.11,321.02,301501.49
13,1830.13,1507.51,322.62,301178.87
14,1830.13,1505.89,324.23,300854.64
15,1830.13,1504.27,325.85,300528.79
16,1830.13,1502.64,327.48,300201.30
17,1830.13,1501.01,329.12,299872.18
18,1830.13,1499.36,330.77,299541.41
19,1830.13,1497.71,332.42,299208.99
20,1830.13,1496.04,334.08,298874.91
21,1830.13,1494.37,335.75,298539.16
22,1830.13,1492.70,337.43,298201.72
23,1830.13,1491.01,339.12,297862.60
24,1830.13,1489.31,340.81,297521.79
25,1830.13,1487.61,342.52,297179.27
26,1830.13,1485.90,344.23,296835.04
27,1830.13,1484.18,345.95,296489.09
28,1830.13,1482.45,347.68,296141.40
29,1830.13,1480.71,349.42,295791.98
30,1830.13,1478.96,351.17,295440.81
31,1830.13,1477.20,352.92,295087.89
32,1830.13,1475.44,354.69,294733.20
33,1830.13,1473.67,356.46,294376.74
34,1830.13,1471.88,358.24,294018.50
35,1830.13,1470.09,360.04,293658.46
36,1830.13,1468.29,361.84,293296.62
37,1830.13,1466.48,363.64,292932.98
38,1830.13,1464.66,365.46,292567.52
39,1830.13,1462.84,367.29,292200.23
40,1830.13,1461.00,369.13,291831.10
41,1830.13,1459.16,370.97,291460.13
42,1830.13,1457.30,372.83,291087.30
43,1830.13,1455.44,374.69,290712.61
44,1830.13,1453.56,376.56,290336.04
45,1830.13,1451.68,378.45,289957.59
46,1830.13,1449.79,380.34,289577.25
47,1830.13,1447.89,382.24,289195.01
48,1830.13,1445.98,384.15,288810.86
49,1830.13,1444.05,386.07,288424.79
50,1830.13,1442.12,388.00,288036.78
51,1830.13,1440.18,389.94,287646.84
52,1830.13,1438.23,391.89,287254.94
53,1830.13,1436.27,393.85,286861.09
54,1830.13,1434.31,395.82,286465.27
55,1830.13,1432.33,397.80,286067.47
56,1830.13,1430.34,399.79,285667.68
57,1830.13,1428.34,401.79,285265.89
58,1830.13,1426.33,403.80,284862.09
59,1830.13,1424.31,405.82,284456.27
60,1830.13,1422.28,407.85,284048.42
61,1830.13,1420.24,409.89,283638.54
62,1830.13,1418.19,411.94,283226.60
63,1830.13,1416.13,413.99,282812.61
64,1830.13,1414.06,416.06,282396.54
65,1830.13,1411.98,418.15,281978.40
66,1830.13,1409.89,420.24,281558.16
67,1830.13,1407.79,422.34,281135.82
68,1830.13,1405.68,424.45,280711.38
69,1830.13,1403.56,426.57,280284.80
70,1830.13,1401.42,428.70,279856.10
71,1830.13,1399.28,430.85,279425.25
72,1830.13,1397.13,433.00,278992.25
73,1830.13,1394.96,435.17,278557.08
74,1830.13,1392.79,437.34,278119.74
75,1830.13,1390.60,439.53,277680.21
76,1830.13,1388.40,441.73,277238.49
77,1830.13,1386.19,443.94,276794.55
78,1830.13,1383.97,446.16,276348.40
79,1830.13,1381.74,448.39,275900.01
80,1830.13,1379.50,450.63,275449.38
81,1830.13,1377.25,452.88,274996.50
82,1830.13,1374.98,455.15,274541.35
83,1830.13,1372.71,457.42,274083.93
84,1830.13,1370.42,459.71,273624.23
85,1830.13,1368.12,462.01,273162.22
86,1830.13,1365.81,464.32,272697.90
87,1830.13,1363.49,466.64,272231.26
88,1830.13,1361.16,468.97,271762.29
89,1830.13,1358.81,471.32,271290.98
90,1830.13,1356.45,473.67,270817.30
91,1830.13,1354.09,476.04,270341.26
92,1830.13,1351.71,478.42,269862.84
93,1830.13,1349.31,480.81,269382.03
94,1830.13,1346.91,483.22,268898.81
95,1830.13,1344.49,485.63,268413.17
96,1830.13,1342.07,488.06,267925.11
97,1830.13,1339.63,490.50,267434.61
98,1830.13,1337.17,492.95,266941.65
99,1830.13,1334.71,495.42,266446.23
100,1830.13,1332.23,497.90,265948.34
101,1830.13,1329.74,500.39,265447.95
102,1830.13,1327.24,502.89,264945.06
103,1830.13,1324.73,505.40,264439.66
104,1830.13,1322.20,507.93,263931.73
105,1830.13,1319.66,510.47,263421.26
106,1830.13,1317.11,513.02,262908.24
107,1830.13,1314.54,515.59,262392.65
108,1830.13,1311.96,518.16,261874.49
109,1830.13,1309.37,520.76,261353.73
110,1830.13,1306.77,523.36,260830.37
111,1830.13,1304.15,525.98,260304.40
112,1830.13,1301.52,528.61,259775.79
113,1830.13,1298.88,531.25,259244.54
114,1830.13,1296.22,533.91,258710.64
115,1830.13,1293.55,536.57,258174.06
116,1830.13,1290.87,539.26,257634.80
117,1830.13,1288.17,541.95,257092.85
118,1830.13,1285.46,544.66,256548.19
119,1830.13,1282.74,547.39,256000.80
120,1830.13,1280.00,550.12,255450.68
121,1830.13,1277.25,552.87,254897.80
122,1830.13,1274.49,555.64,254342.16
123,1830.13,1271.71,558.42,253783.74
124,1830.13,1268.92,561.21,253222.54
125,1830.13,1266.11,564.02,252658.52
126,1830.13,1263.29,566.84,252091.68
127,1830.13,1260.46,569.67,251522.02
128,1830.13,1257.61,572.52,250949.50
129,1830.13,1254.75,575.38,250374.12
130,1830.13,1251.87,578.26,249795.86
131,1830.13,1248.98,581.15,249214.71
132,1830.13,1246.07,584.05,248630.66
133,1830.13,1243.15,586.97,248043.68
134,1830.13,1240.22,589.91,247453.77
135,1830.13,1237.27,592.86,246860.91
136,1830.13,1234.30,595.82,246265.09
137,1830.13,1231.33,598.80,245666.29
138,1830.13,1228.33,601.80,245064.49
139,1830.13,1225.32,604.81,244459.68
140,1830.13,1222.30,607.83,243851.86
141,1830.13,1219.26,610.87,243240.99
142,1830.13,1216.20,613.92,242627.06
143,1830.13,1213.14,616.99,242010.07
144,1830.13,1210.05,620.08,241389.99
145,1830.13,1206.95,623.18,240766.82
146,1830.13,1203.83,626.29,240140.52
147,1830.13,1200.70,629.43,239511.10
148,1830.13,1197.56,632.57,238878.52
149,1830.13,1194.39,635.74,238242.79
150,1830.13,1191.21,638.91,237603.87
151,1830.13,1188.02,642.11,236961.77
152,1830.13,1184.81,645.32,236316.45
153,1830.13,1181.58,648.55,235667.90
154,1830.13,1178.34,651.79,235016.11
155,1830.13,1175.08,655.05,234361.06
156,1830.13,1171.81,658.32,233702.74
157,1830.13,1168.51,661.61,233041.13
158,1830.13,1165.21,664.92,232376.21
159,1830.13,1161.88,668.25,231707.96
160,1830.13,1158.54,671.59,231036.37
161,1830.13,1155.18,674.95,230361.42
162,1830.13,1151.81,678.32,229683.10
163,1830.13,1148.42,681.71,229001.39
164,1830.13,1145.01,685.12,228316.27
165,1830.13,1141.58,688.55,227627.72
166,1830.13,1138.14,691.99,226935.73
167,1830.13,1134.68,695.45,226240.28
168,1830.13,1131.20,698.93,225541.36
169,1830.13,1127.71,702.42,224838.94
170,1830.13,1124.19,705.93,224133.00
171,1830.13,1120.67,709.46,223423.54
172,1830.13,1117.12,713.01,222710.53
173,1830.13,1113.55,716.58,221993.96
174,1830.13,1109.97,720.16,221273.80
175,1830.13,1106.37,723.76,220550.04
176,1830.13,1102.75,727.38,219822.66
177,1830.13,1099.11,731.01,219091.65
178,1830.13,1095.46,734.67,218356.98
179,1830.13,1091.78,738.34,217618.63
180,1830.13,1088.09,742.03,216876.60
181,1830.13,1084.38,745.74,216130.85
182,1830.13,1080.65,749.47,215381.38
183,1830.13,1076.91,753.22,214628.16
184,1830.13,1073.14,756.99,213871.17
185,1830.13,1069.36,760.77,213110.40
186,1830.13,1065.55,764.58,212345.82
187,1830.13,1061.73,768.40,211577.42
188,1830.13,1057.89,772.24,210805.18
189,1830.13,1054.03,776.10,210029.08
190,1830.13,1050.15,779.98,209249.10
191,1830.13,1046.25,783.88,208465.22
192,1830.13,1042.33,787.80,207677.41
193,1830.13,1038.39,791.74,206885.67
194,1830.13,1034.43,795.70,206089.97
195,1830.13,1030.45,799.68,205290.30
196,1830.13,1026.45,803.68,204486.62
197,1830.13,1022.43,807.69,203678.92
198,1830.13,1018.39,811.73,202867.19
199,1830.13,1014.34,815.79,202051.40
200,1830.13,1010.26,819.87,201231.53
201,1830.13,1006.16,823.97,200407.56
202,1830.13,1002.04,828.09,199579.47
203,1830.13,997.90,832.23,198747.24
204,1830.13,993.74,836.39,197910.84
205,1830.13,989.55,840.57,197070.27
206,1830.13,985.35,844.78,196225.49
207,1830.13,981.13,849.00,195376.49
208,1830.13,976.88,853.25,194523.25
209,1830.13,972.62,857.51,193665.74
210,1830.13,968.33,861.80,192803.94
211,1830.13,964.02,866.11,191937.83
212,1830.13,959.69,870.44,191067.39
213,1830.13,955.34,874.79,190192.60
214,1830.13,950.96,879.16,189313.43
215,1830.13,946.57,883.56,188429.87
216,1830.13,942.15,887.98,187541.89
217,1830.13,937.71,892.42,186649.48
218,1830.13,933.25,896.88,185752.60
219,1830.13,928.76,901.37,184851.23
220,1830.13,924.26,905.87,183945.36
221,1830.13,919.73,910.40,183034.96
222,1830.13,915.17,914.95,182120.00
223,1830.13,910.60,919.53,181200.48
224,1830.13,906.00,924.13,180276.35
225,1830.13,901.38,928.75,179347.60
226,1830.13,896.74,933.39,178414.21
227,1830.13,892.07,938.06,177476.16
228,1830.13,887.38,942.75,176533.41
229,1830.13,882.67,947.46,175585.95
230,1830.13,877.93,952.20,174633.75
231,1830.13,873.17,956.96,173676.79
232,1830.13,868.38,961.74,172715.05
233,1830.13,863.58,966.55,171748.50
234,1830.13,858.74,971.39,170777.11
235,1830.13,853.89,976.24,169800.87
236,1830.13,849.00,981.12,168819.74
237,1830.13,844.10,986.03,167833.71
238,1830.13,839.17,990.96,166842.75
239,1830.13,834.21,995.91,165846.84
240,1830.13,829.23,1000.89,164845.95
241,1830.13,824.23,1005.90,163840.05
242,1830.13,819.20,1010.93,162829.12
243,1830.13,814.15,1015.98,161813.14
244,1830.13,809.07,1021.06,160792.08
245,1830.13,803.96,1026.17,159765.91
246,1830.13,798.83,1031.30,158734.61
247,1830.13,793.67,1036.45,157698.16
248,1830.13,788.49,1041.64,156656.52
249,1830.13,783.28,1046.85,155609.67
250,1830.13,778.05,1052.08,154557.59
251,1830.13,772.79,1057.34,153500.25
252,1830.13,767.50,1062.63,152437.63
253,1830.13,762.19,1067.94,151369.69
254,1830.13,756.85,1073.28,150296.41
255,1830.13,751.48,1078.65,149217.76
256,1830.13,746.09,1084.04,148133.72
257,1830.13,740.67,1089.46,147044.26
258,1830.13,735.22,1094.91,145949.36
259,1830.13,729.75,1100.38,144848.97
260,1830.13,724.24,1105.88,143743.09
261,1830.13,718.72,1111.41,142631.68
262,1830.13,713.16,1116.97,141514.71
263,1830.13,707.57,1122.55,140392.16
264,1830.13,701.96,1128.17,139263.99
265,1830.13,696.32,1133.81,138130.18
266,1830.13,690.65,1139.48,136990.70
267,1830.13,684.95,1145.17,135845.53
268,1830.13,679.23,1150.90,134694.63
269,1830.13,673.47,1156.65,133537.97
270,1830.13,667.69,1162.44,132375.54
271,1830.13,661.88,1168.25,131207.28
272,1830.13,656.04,1174.09,130033.19
273,1830.13,650.17,1179.96,128853.23
274,1830.13,644.27,1185.86,127667.37
275,1830.13,638.34,1191.79,126475.58
276,1830.13,632.38,1197.75,125277.83
277,1830.13,626.39,1203.74,124074.09
278,1830.13,620.37,1209.76,122864.33
279,1830.13,614.32,1215.81,121648.53
280,1830.13,608.24,1221.89,120426.64
281,1830.13,602.13,1227.99,119198.65
282,1830.13,595.99,1234.13,117964.51
283,1830.13,589.82,1240.31,116724.21
284,1830.13,583.62,1246.51,115477.70
285,1830.13,577.39,1252.74,114224.96
286,1830.13,571.12,1259.00,112965.96
287,1830.13,564.83,1265.30,111700.66
288,1830.13,558.50,1271.62,110429.03
289,1830.13,552.15,1277.98,109151.05
290,1830.13,545.76,1284.37,107866.68
291,1830.13,539.33,1290.79,106575.88
292,1830.13,532.88,1297.25,105278.63
293,1830.13,526.39,1303.73,103974.90
294,1830.13,519.87,1310.25,102664.65
295,1830.13,513.32,1316.80,101347.84
296,1830.13,506.74,1323.39,100024.45
297,1830.13,500.12,1330.01,98694.45
298,1830.13,493.47,1336.66,97357.79
299,1830.13,486.79,1343.34,96014.45
300,1830.13,480.07,1350.06,94664.40
301,1830.13,473.32,1356.81,93307.59
302,1830.13,466.54,1363.59,91944.00
303,1830.13,459.72,1370.41,90573.59
304,1830.13,452.87,1377.26,89196.33
305,1830.13,445.98,1384.15,87812.19
306,1830.13,439.06,1391.07,86421.12
307,1830.13,432.11,1398.02,85023.10
308,1830.13,425.12,1405.01,83618.08
309,1830.13,418.09,1412.04,82206.05
310,1830.13,411.03,1419.10,80786.95
311,1830.13,403.93,1426.19,79360.76
312,1830.13,396.80,1433.32,77927.43
313,1830.13,389.64,1440.49,76486.94
314,1830.13,382.43,1447.69,75039.25
315,1830.13,375.20,1454.93,73584.32
316,1830.13,367.92,1462.21,72122.11
317,1830.13,360.61,1469.52,70652.59
318,1830.13,353.26,1476.87,69175.73
319,1830.13,345.88,1484.25,67691.48
320,1830.13,338.46,1491.67,66199.81
321,1830.13,331.00,1499.13,64700.68
322,1830.13,323.50,1506.62,63194.05
323,1830.13,315.97,1514.16,61679.89
324,1830.13,308.40,1521.73,60158.17
325,1830.13,300.79,1529.34,58628.83
326,1830.13,293.14,1536.98,57091.85
327,1830.13,285.46,1544.67,55547.18
328,1830.13,277.74,1552.39,53994.78
329,1830.13,269.97,1560.15,52434.63
330,1830.13,262.17,1567.95,50866.68
331,1830.13,254.33,1575.79,49290.88
332,1830.13,246.45,1583.67,47707.21
333,1830.13,238.54,1591.59,46115.62
334,1830.13,230.58,1599.55,44516.07
335,1830.13,222.58,1607.55,42908.52
336,1830.13,214.54,1615.59,41292.93
337,1830.13,206.46,1623.66,39669.27
338,1830.13,198.35,1631.78,38037.49
339,1830.13,190.19,1639.94,36397.55
340,1830.13,181.99,1648.14,34749.41
341,1830.13,173.75,1656.38,33093.03
342,1830.13,165.47,1664.66,31428.36
343,1830.13,157.14,1672.99,29755.38
344,1830.13,148.78,1681.35,28074.03
345,1830.13,140.37,1689.76,26384.27
346,1830.13,131.92,1698.21,24686.06
347,1830.13,123.43,1706.70,22979.36
348,1830.13,114.90,1715.23,21264.13
349,1830.13,106.32,1723.81,19540.33
350,1830.13,97.70,1732.43,17807.90
351,1830.13,89.04,1741.09,16066.81
352,1830.13,80.33,1749.79,14317.02
353,1830.13,71.59,1758.54,12558.47
354,1830.13,62.79,1767.34,10791.14
355,1830.13,53.96,1776.17,9014.97
356,1830.13,45.07,1785.05,7229.91
357,1830.13,36.15,1793.98,5435.93
358,1830.13,27.18,1802.95,3632.99
359,1830.13,18.16,1811.96,1821.02
360,1830.13,9.11,1821.02,0.00
How It Works

Financed balance=base loan*(1+upfront MIP rate). First-year monthly MIP=quoted annual MIP/12.
The typical upfront rate is 1.75%, but use your disclosure. Annual MIP depends on term, LTV and product rules, so enter the lender-quoted amount.
Scope and Limitations

Fixed-rate payment model, not eligibility or loan limits. Does not project MIP across the full loan term; excludes property tax, homeowners insurance and HOA.
Reference Sources

HUD: mortgage insurance premiums
FAQs

How does this calculator work?
Financed balance=base loan*(1+upfront MIP rate). First-year monthly MIP=quoted annual MIP/12.
What assumptions should I check?
Fixed-rate payment model, not eligibility or loan limits. Does not project MIP across the full loan term; excludes property tax, homeowners insurance and HOA. The typical upfront rate is 1.75%, but use your disclosure. Annual MIP depends on term, LTV and product rules, so enter the lender-quoted amount.