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Online FHA Loan Calculator
Calculate your monthly FHA loan payment including principal, interest, and mortgage insurance premiums with this easy-to-use online FHA loan calculator.
FHA Loan
Monthly Payment ($): 1,668.41
Mortgage Payment ($): 600,627.60
Property Tax ($): 135,000.00
Home Insurace ($) 60,000.00
Annual MIP ($): 43,425.00
HOA fee ($): 15,000.00
Total Out-of-Pocket ($): 854,052.60
Interest
Principal
Taxes
Insurance
HOA
AAnnual MIP
0 yr
5 yr
10 yr
15 yr
20 yr
25 yr
30 yr
| № | BEGINNING BALANCE ($) | INTEREST ($) | PRINCIPAL ($) | ENDING BALANCE ($) |
|---|---|---|---|---|
| 1 | 290,222.35 | 16,062.54 | 3,958.38 | 289,884.12 |
| 2 | 286,059.76 | 15,839.26 | 4,181.66 | 285,702.46 |
| 3 | 281,662.38 | 15,603.38 | 4,417.54 | 281,284.92 |
| 4 | 277,016.94 | 15,354.20 | 4,666.72 | 276,618.20 |
| 5 | 272,109.47 | 15,090.96 | 4,929.96 | 271,688.23 |
| 6 | 266,925.18 | 14,812.87 | 5,208.05 | 266,480.18 |
| 7 | 261,448.46 | 14,519.09 | 5,501.83 | 260,978.35 |
| 8 | 255,662.80 | 14,208.75 | 5,812.17 | 255,166.18 |
| 9 | 249,550.79 | 13,880.89 | 6,140.03 | 249,026.15 |
| 10 | 243,094.01 | 13,534.55 | 6,486.37 | 242,539.78 |
| 11 | 236,273.01 | 13,168.67 | 6,852.25 | 235,687.52 |
| 12 | 229,067.27 | 12,782.14 | 7,238.78 | 228,448.75 |
| 13 | 221,455.05 | 12,373.82 | 7,647.10 | 220,801.65 |
| 14 | 213,413.46 | 11,942.46 | 8,078.46 | 212,723.19 |
| 15 | 204,918.25 | 11,486.78 | 8,534.14 | 204,189.05 |
| 16 | 195,943.84 | 11,005.38 | 9,015.54 | 195,173.51 |
| 17 | 186,463.21 | 10,496.84 | 9,524.08 | 185,649.42 |
| 18 | 176,447.80 | 9,959.60 | 10,061.32 | 175,588.11 |
| 19 | 165,867.43 | 9,392.06 | 10,628.86 | 164,959.25 |
| 20 | 154,690.26 | 8,792.51 | 11,228.41 | 153,730.84 |
| 21 | 142,882.60 | 8,159.14 | 11,861.78 | 141,869.07 |
| 22 | 130,408.90 | 7,490.05 | 12,530.87 | 129,338.19 |
| 23 | 117,231.58 | 6,783.21 | 13,237.71 | 116,100.48 |
| 24 | 103,310.96 | 6,036.49 | 13,984.43 | 102,116.05 |
| 25 | 88,605.10 | 5,247.66 | 14,773.26 | 87,342.80 |
| 26 | 73,069.72 | 4,414.34 | 15,606.58 | 71,736.21 |
| 27 | 56,658.02 | 3,534.00 | 16,486.92 | 55,249.29 |
| 28 | 39,320.58 | 2,604.01 | 17,416.91 | 37,832.38 |
| 29 | 21,005.16 | 1,621.56 | 18,399.36 | 19,433.02 |
| 30 | 1,656.61 | 583.69 | 19,437.23 | -4.21 |
| № | BEGINNING BALANCE ($) | INTEREST ($) | PRINCIPAL ($) | ENDING BALANCE ($) |
|---|---|---|---|---|
| 1 | 293,842.50 | 1,346.78 | 321.63 | 293,520.87 |
| 2 | 293,520.87 | 1,345.30 | 323.11 | 293,197.76 |
| 3 | 293,197.76 | 1,343.82 | 324.59 | 292,873.18 |
| 4 | 292,873.18 | 1,342.34 | 326.07 | 292,547.10 |
| 5 | 292,547.10 | 1,340.84 | 327.57 | 292,219.53 |
| 6 | 292,219.53 | 1,339.34 | 329.07 | 291,890.46 |
| 7 | 291,890.46 | 1,337.83 | 330.58 | 291,559.88 |
| 8 | 291,559.88 | 1,336.32 | 332.09 | 291,227.79 |
| 9 | 291,227.79 | 1,334.79 | 333.62 | 290,894.17 |
| 10 | 290,894.17 | 1,333.26 | 335.15 | 290,559.03 |
| 11 | 290,559.03 | 1,331.73 | 336.68 | 290,222.35 |
| 12 | 290,222.35 | 1,330.19 | 338.22 | 289,884.12 |
| #1 | ||||
| 13 | 289,884.12 | 1,328.64 | 339.77 | 289,544.35 |
| 14 | 289,544.35 | 1,327.08 | 341.33 | 289,203.02 |
| 15 | 289,203.02 | 1,325.51 | 342.90 | 288,860.12 |
| 16 | 288,860.12 | 1,323.94 | 344.47 | 288,515.65 |
| 17 | 288,515.65 | 1,322.36 | 346.05 | 288,169.61 |
| 18 | 288,169.61 | 1,320.78 | 347.63 | 287,821.97 |
| 19 | 287,821.97 | 1,319.18 | 349.23 | 287,472.75 |
| 20 | 287,472.75 | 1,317.58 | 350.83 | 287,121.92 |
| 21 | 287,121.92 | 1,315.98 | 352.43 | 286,769.49 |
| 22 | 286,769.49 | 1,314.36 | 354.05 | 286,415.44 |
| 23 | 286,415.44 | 1,312.74 | 355.67 | 286,059.76 |
| 24 | 286,059.76 | 1,311.11 | 357.30 | 285,702.46 |
| #2 | ||||
| 25 | 285,702.46 | 1,309.47 | 358.94 | 285,343.52 |
| 26 | 285,343.52 | 1,307.82 | 360.59 | 284,982.93 |
| 27 | 284,982.93 | 1,306.17 | 362.24 | 284,620.70 |
| 28 | 284,620.70 | 1,304.51 | 363.90 | 284,256.80 |
| 29 | 284,256.80 | 1,302.84 | 365.57 | 283,891.23 |
| 30 | 283,891.23 | 1,301.17 | 367.24 | 283,523.99 |
| 31 | 283,523.99 | 1,299.48 | 368.93 | 283,155.06 |
| 32 | 283,155.06 | 1,297.79 | 370.62 | 282,784.45 |
| 33 | 282,784.45 | 1,296.10 | 372.31 | 282,412.13 |
| 34 | 282,412.13 | 1,294.39 | 374.02 | 282,038.11 |
| 35 | 282,038.11 | 1,292.67 | 375.74 | 281,662.38 |
| 36 | 281,662.38 | 1,290.95 | 377.46 | 281,284.92 |
| #3 | ||||
| 37 | 281,284.92 | 1,289.22 | 379.19 | 280,905.73 |
| 38 | 280,905.73 | 1,287.48 | 380.93 | 280,524.81 |
| 39 | 280,524.81 | 1,285.74 | 382.67 | 280,142.14 |
| 40 | 280,142.14 | 1,283.98 | 384.43 | 279,757.71 |
| 41 | 279,757.71 | 1,282.22 | 386.19 | 279,371.52 |
| 42 | 279,371.52 | 1,280.45 | 387.96 | 278,983.57 |
| 43 | 278,983.57 | 1,278.67 | 389.74 | 278,593.83 |
| 44 | 278,593.83 | 1,276.89 | 391.52 | 278,202.31 |
| 45 | 278,202.31 | 1,275.09 | 393.32 | 277,808.99 |
| 46 | 277,808.99 | 1,273.29 | 395.12 | 277,413.87 |
| 47 | 277,413.87 | 1,271.48 | 396.93 | 277,016.94 |
| 48 | 277,016.94 | 1,269.66 | 398.75 | 276,618.20 |
| #4 | ||||
| 49 | 276,618.20 | 1,267.83 | 400.58 | 276,217.62 |
| 50 | 276,217.62 | 1,266.00 | 402.41 | 275,815.21 |
| 51 | 275,815.21 | 1,264.15 | 404.26 | 275,410.95 |
| 52 | 275,410.95 | 1,262.30 | 406.11 | 275,004.84 |
| 53 | 275,004.84 | 1,260.44 | 407.97 | 274,596.87 |
| 54 | 274,596.87 | 1,258.57 | 409.84 | 274,187.03 |
| 55 | 274,187.03 | 1,256.69 | 411.72 | 273,775.31 |
| 56 | 273,775.31 | 1,254.80 | 413.61 | 273,361.70 |
| 57 | 273,361.70 | 1,252.91 | 415.50 | 272,946.20 |
| 58 | 272,946.20 | 1,251.00 | 417.41 | 272,528.79 |
| 59 | 272,528.79 | 1,249.09 | 419.32 | 272,109.47 |
| 60 | 272,109.47 | 1,247.17 | 421.24 | 271,688.23 |
| #5 | ||||
| 61 | 271,688.23 | 1,245.24 | 423.17 | 271,265.06 |
| 62 | 271,265.06 | 1,243.30 | 425.11 | 270,839.95 |
| 63 | 270,839.95 | 1,241.35 | 427.06 | 270,412.89 |
| 64 | 270,412.89 | 1,239.39 | 429.02 | 269,983.87 |
| 65 | 269,983.87 | 1,237.43 | 430.98 | 269,552.89 |
| 66 | 269,552.89 | 1,235.45 | 432.96 | 269,119.93 |
| 67 | 269,119.93 | 1,233.47 | 434.94 | 268,684.98 |
| 68 | 268,684.98 | 1,231.47 | 436.94 | 268,248.05 |
| 69 | 268,248.05 | 1,229.47 | 438.94 | 267,809.11 |
| 70 | 267,809.11 | 1,227.46 | 440.95 | 267,368.15 |
| 71 | 267,368.15 | 1,225.44 | 442.97 | 266,925.18 |
| 72 | 266,925.18 | 1,223.41 | 445.00 | 266,480.18 |
| #6 | ||||
| 73 | 266,480.18 | 1,221.37 | 447.04 | 266,033.14 |
| 74 | 266,033.14 | 1,219.32 | 449.09 | 265,584.04 |
| 75 | 265,584.04 | 1,217.26 | 451.15 | 265,132.90 |
| 76 | 265,132.90 | 1,215.19 | 453.22 | 264,679.68 |
| 77 | 264,679.68 | 1,213.12 | 455.29 | 264,224.38 |
| 78 | 264,224.38 | 1,211.03 | 457.38 | 263,767.00 |
| 79 | 263,767.00 | 1,208.93 | 459.48 | 263,307.52 |
| 80 | 263,307.52 | 1,206.83 | 461.58 | 262,845.94 |
| 81 | 262,845.94 | 1,204.71 | 463.70 | 262,382.24 |
| 82 | 262,382.24 | 1,202.59 | 465.82 | 261,916.42 |
| 83 | 261,916.42 | 1,200.45 | 467.96 | 261,448.46 |
| 84 | 261,448.46 | 1,198.31 | 470.10 | 260,978.35 |
| #7 | ||||
| 85 | 260,978.35 | 1,196.15 | 472.26 | 260,506.09 |
| 86 | 260,506.09 | 1,193.99 | 474.42 | 260,031.67 |
| 87 | 260,031.67 | 1,191.81 | 476.60 | 259,555.07 |
| 88 | 259,555.07 | 1,189.63 | 478.78 | 259,076.29 |
| 89 | 259,076.29 | 1,187.43 | 480.98 | 258,595.31 |
| 90 | 258,595.31 | 1,185.23 | 483.18 | 258,112.13 |
| 91 | 258,112.13 | 1,183.01 | 485.40 | 257,626.73 |
| 92 | 257,626.73 | 1,180.79 | 487.62 | 257,139.11 |
| 93 | 257,139.11 | 1,178.55 | 489.86 | 256,649.26 |
| 94 | 256,649.26 | 1,176.31 | 492.10 | 256,157.16 |
| 95 | 256,157.16 | 1,174.05 | 494.36 | 255,662.80 |
| 96 | 255,662.80 | 1,171.79 | 496.62 | 255,166.18 |
| #8 | ||||
| 97 | 255,166.18 | 1,169.51 | 498.90 | 254,667.28 |
| 98 | 254,667.28 | 1,167.23 | 501.18 | 254,166.09 |
| 99 | 254,166.09 | 1,164.93 | 503.48 | 253,662.61 |
| 100 | 253,662.61 | 1,162.62 | 505.79 | 253,156.82 |
| 101 | 253,156.82 | 1,160.30 | 508.11 | 252,648.71 |
| 102 | 252,648.71 | 1,157.97 | 510.44 | 252,138.28 |
| 103 | 252,138.28 | 1,155.63 | 512.78 | 251,625.50 |
| 104 | 251,625.50 | 1,153.28 | 515.13 | 251,110.37 |
| 105 | 251,110.37 | 1,150.92 | 517.49 | 250,592.89 |
| 106 | 250,592.89 | 1,148.55 | 519.86 | 250,073.03 |
| 107 | 250,073.03 | 1,146.17 | 522.24 | 249,550.79 |
| 108 | 249,550.79 | 1,143.77 | 524.64 | 249,026.15 |
| #9 | ||||
| 109 | 249,026.15 | 1,141.37 | 527.04 | 248,499.11 |
| 110 | 248,499.11 | 1,138.95 | 529.46 | 247,969.65 |
| 111 | 247,969.65 | 1,136.53 | 531.88 | 247,437.77 |
| 112 | 247,437.77 | 1,134.09 | 534.32 | 246,903.45 |
| 113 | 246,903.45 | 1,131.64 | 536.77 | 246,366.68 |
| 114 | 246,366.68 | 1,129.18 | 539.23 | 245,827.45 |
| 115 | 245,827.45 | 1,126.71 | 541.70 | 245,285.75 |
| 116 | 245,285.75 | 1,124.23 | 544.18 | 244,741.57 |
| 117 | 244,741.57 | 1,121.73 | 546.68 | 244,194.89 |
| 118 | 244,194.89 | 1,119.23 | 549.18 | 243,645.71 |
| 119 | 243,645.71 | 1,116.71 | 551.70 | 243,094.01 |
| 120 | 243,094.01 | 1,114.18 | 554.23 | 242,539.78 |
| #10 | ||||
| 121 | 242,539.78 | 1,111.64 | 556.77 | 241,983.01 |
| 122 | 241,983.01 | 1,109.09 | 559.32 | 241,423.69 |
| 123 | 241,423.69 | 1,106.53 | 561.88 | 240,861.80 |
| 124 | 240,861.80 | 1,103.95 | 564.46 | 240,297.34 |
| 125 | 240,297.34 | 1,101.36 | 567.05 | 239,730.29 |
| 126 | 239,730.29 | 1,098.76 | 569.65 | 239,160.65 |
| 127 | 239,160.65 | 1,096.15 | 572.26 | 238,588.39 |
| 128 | 238,588.39 | 1,093.53 | 574.88 | 238,013.51 |
| 129 | 238,013.51 | 1,090.90 | 577.51 | 237,436.00 |
| 130 | 237,436.00 | 1,088.25 | 580.16 | 236,855.84 |
| 131 | 236,855.84 | 1,085.59 | 582.82 | 236,273.01 |
| 132 | 236,273.01 | 1,082.92 | 585.49 | 235,687.52 |
| #11 | ||||
| 133 | 235,687.52 | 1,080.23 | 588.18 | 235,099.35 |
| 134 | 235,099.35 | 1,077.54 | 590.87 | 234,508.48 |
| 135 | 234,508.48 | 1,074.83 | 593.58 | 233,914.90 |
| 136 | 233,914.90 | 1,072.11 | 596.30 | 233,318.60 |
| 137 | 233,318.60 | 1,069.38 | 599.03 | 232,719.56 |
| 138 | 232,719.56 | 1,066.63 | 601.78 | 232,117.78 |
| 139 | 232,117.78 | 1,063.87 | 604.54 | 231,513.25 |
| 140 | 231,513.25 | 1,061.10 | 607.31 | 230,905.94 |
| 141 | 230,905.94 | 1,058.32 | 610.09 | 230,295.85 |
| 142 | 230,295.85 | 1,055.52 | 612.89 | 229,682.96 |
| 143 | 229,682.96 | 1,052.71 | 615.70 | 229,067.27 |
| 144 | 229,067.27 | 1,049.89 | 618.52 | 228,448.75 |
| #12 | ||||
| 145 | 228,448.75 | 1,047.06 | 621.35 | 227,827.39 |
| 146 | 227,827.39 | 1,044.21 | 624.20 | 227,203.19 |
| 147 | 227,203.19 | 1,041.35 | 627.06 | 226,576.13 |
| 148 | 226,576.13 | 1,038.47 | 629.94 | 225,946.19 |
| 149 | 225,946.19 | 1,035.59 | 632.82 | 225,313.37 |
| 150 | 225,313.37 | 1,032.69 | 635.72 | 224,677.65 |
| 151 | 224,677.65 | 1,029.77 | 638.64 | 224,039.01 |
| 152 | 224,039.01 | 1,026.85 | 641.56 | 223,397.45 |
| 153 | 223,397.45 | 1,023.90 | 644.51 | 222,752.94 |
| 154 | 222,752.94 | 1,020.95 | 647.46 | 222,105.48 |
| 155 | 222,105.48 | 1,017.98 | 650.43 | 221,455.05 |
| 156 | 221,455.05 | 1,015.00 | 653.41 | 220,801.65 |
| #13 | ||||
| 157 | 220,801.65 | 1,012.01 | 656.40 | 220,145.24 |
| 158 | 220,145.24 | 1,009.00 | 659.41 | 219,485.83 |
| 159 | 219,485.83 | 1,005.98 | 662.43 | 218,823.40 |
| 160 | 218,823.40 | 1,002.94 | 665.47 | 218,157.93 |
| 161 | 218,157.93 | 999.89 | 668.52 | 217,489.41 |
| 162 | 217,489.41 | 996.83 | 671.58 | 216,817.83 |
| 163 | 216,817.83 | 993.75 | 674.66 | 216,143.17 |
| 164 | 216,143.17 | 990.66 | 677.75 | 215,465.41 |
| 165 | 215,465.41 | 987.55 | 680.86 | 214,784.55 |
| 166 | 214,784.55 | 984.43 | 683.98 | 214,100.57 |
| 167 | 214,100.57 | 981.29 | 687.12 | 213,413.46 |
| 168 | 213,413.46 | 978.15 | 690.26 | 212,723.19 |
| #14 | ||||
| 169 | 212,723.19 | 974.98 | 693.43 | 212,029.76 |
| 170 | 212,029.76 | 971.80 | 696.61 | 211,333.16 |
| 171 | 211,333.16 | 968.61 | 699.80 | 210,633.36 |
| 172 | 210,633.36 | 965.40 | 703.01 | 209,930.35 |
| 173 | 209,930.35 | 962.18 | 706.23 | 209,224.12 |
| 174 | 209,224.12 | 958.94 | 709.47 | 208,514.65 |
| 175 | 208,514.65 | 955.69 | 712.72 | 207,801.94 |
| 176 | 207,801.94 | 952.43 | 715.98 | 207,085.95 |
| 177 | 207,085.95 | 949.14 | 719.27 | 206,366.68 |
| 178 | 206,366.68 | 945.85 | 722.56 | 205,644.12 |
| 179 | 205,644.12 | 942.54 | 725.87 | 204,918.25 |
| 180 | 204,918.25 | 939.21 | 729.20 | 204,189.05 |
| #15 | ||||
| 181 | 204,189.05 | 935.87 | 732.54 | 203,456.50 |
| 182 | 203,456.50 | 932.51 | 735.90 | 202,720.60 |
| 183 | 202,720.60 | 929.14 | 739.27 | 201,981.33 |
| 184 | 201,981.33 | 925.75 | 742.66 | 201,238.67 |
| 185 | 201,238.67 | 922.34 | 746.07 | 200,492.60 |
| 186 | 200,492.60 | 918.92 | 749.49 | 199,743.11 |
| 187 | 199,743.11 | 915.49 | 752.92 | 198,990.19 |
| 188 | 198,990.19 | 912.04 | 756.37 | 198,233.82 |
| 189 | 198,233.82 | 908.57 | 759.84 | 197,473.98 |
| 190 | 197,473.98 | 905.09 | 763.32 | 196,710.66 |
| 191 | 196,710.66 | 901.59 | 766.82 | 195,943.84 |
| 192 | 195,943.84 | 898.08 | 770.33 | 195,173.51 |
| #16 | ||||
| 193 | 195,173.51 | 894.55 | 773.86 | 194,399.64 |
| 194 | 194,399.64 | 891.00 | 777.41 | 193,622.23 |
| 195 | 193,622.23 | 887.44 | 780.97 | 192,841.26 |
| 196 | 192,841.26 | 883.86 | 784.55 | 192,056.70 |
| 197 | 192,056.70 | 880.26 | 788.15 | 191,268.55 |
| 198 | 191,268.55 | 876.65 | 791.76 | 190,476.79 |
| 199 | 190,476.79 | 873.02 | 795.39 | 189,681.40 |
| 200 | 189,681.40 | 869.37 | 799.04 | 188,882.36 |
| 201 | 188,882.36 | 865.71 | 802.70 | 188,079.66 |
| 202 | 188,079.66 | 862.03 | 806.38 | 187,273.28 |
| 203 | 187,273.28 | 858.34 | 810.07 | 186,463.21 |
| 204 | 186,463.21 | 854.62 | 813.79 | 185,649.42 |
| #17 | ||||
| 205 | 185,649.42 | 850.89 | 817.52 | 184,831.91 |
| 206 | 184,831.91 | 847.15 | 821.26 | 184,010.64 |
| 207 | 184,010.64 | 843.38 | 825.03 | 183,185.62 |
| 208 | 183,185.62 | 839.60 | 828.81 | 182,356.81 |
| 209 | 182,356.81 | 835.80 | 832.61 | 181,524.20 |
| 210 | 181,524.20 | 831.99 | 836.42 | 180,687.77 |
| 211 | 180,687.77 | 828.15 | 840.26 | 179,847.52 |
| 212 | 179,847.52 | 824.30 | 844.11 | 179,003.41 |
| 213 | 179,003.41 | 820.43 | 847.98 | 178,155.43 |
| 214 | 178,155.43 | 816.55 | 851.86 | 177,303.57 |
| 215 | 177,303.57 | 812.64 | 855.77 | 176,447.80 |
| 216 | 176,447.80 | 808.72 | 859.69 | 175,588.11 |
| #18 | ||||
| 217 | 175,588.11 | 804.78 | 863.63 | 174,724.47 |
| 218 | 174,724.47 | 800.82 | 867.59 | 173,856.89 |
| 219 | 173,856.89 | 796.84 | 871.57 | 172,985.32 |
| 220 | 172,985.32 | 792.85 | 875.56 | 172,109.76 |
| 221 | 172,109.76 | 788.84 | 879.57 | 171,230.18 |
| 222 | 171,230.18 | 784.81 | 883.60 | 170,346.58 |
| 223 | 170,346.58 | 780.76 | 887.65 | 169,458.93 |
| 224 | 169,458.93 | 776.69 | 891.72 | 168,567.20 |
| 225 | 168,567.20 | 772.60 | 895.81 | 167,671.39 |
| 226 | 167,671.39 | 768.49 | 899.92 | 166,771.48 |
| 227 | 166,771.48 | 764.37 | 904.04 | 165,867.43 |
| 228 | 165,867.43 | 760.23 | 908.18 | 164,959.25 |
| #19 | ||||
| 229 | 164,959.25 | 756.06 | 912.35 | 164,046.90 |
| 230 | 164,046.90 | 751.88 | 916.53 | 163,130.38 |
| 231 | 163,130.38 | 747.68 | 920.73 | 162,209.65 |
| 232 | 162,209.65 | 743.46 | 924.95 | 161,284.70 |
| 233 | 161,284.70 | 739.22 | 929.19 | 160,355.51 |
| 234 | 160,355.51 | 734.96 | 933.45 | 159,422.06 |
| 235 | 159,422.06 | 730.68 | 937.73 | 158,484.34 |
| 236 | 158,484.34 | 726.39 | 942.02 | 157,542.31 |
| 237 | 157,542.31 | 722.07 | 946.34 | 156,595.97 |
| 238 | 156,595.97 | 717.73 | 950.68 | 155,645.29 |
| 239 | 155,645.29 | 713.37 | 955.04 | 154,690.26 |
| 240 | 154,690.26 | 709.00 | 959.41 | 153,730.84 |
| #20 | ||||
| 241 | 153,730.84 | 704.60 | 963.81 | 152,767.03 |
| 242 | 152,767.03 | 700.18 | 968.23 | 151,798.81 |
| 243 | 151,798.81 | 695.74 | 972.67 | 150,826.14 |
| 244 | 150,826.14 | 691.29 | 977.12 | 149,849.02 |
| 245 | 149,849.02 | 686.81 | 981.60 | 148,867.41 |
| 246 | 148,867.41 | 682.31 | 986.10 | 147,881.31 |
| 247 | 147,881.31 | 677.79 | 990.62 | 146,890.69 |
| 248 | 146,890.69 | 673.25 | 995.16 | 145,895.53 |
| 249 | 145,895.53 | 668.69 | 999.72 | 144,895.81 |
| 250 | 144,895.81 | 664.11 | 1,004.30 | 143,891.51 |
| 251 | 143,891.51 | 659.50 | 1,008.91 | 142,882.60 |
| 252 | 142,882.60 | 654.88 | 1,013.53 | 141,869.07 |
| #21 | ||||
| 253 | 141,869.07 | 650.23 | 1,018.18 | 140,850.89 |
| 254 | 140,850.89 | 645.57 | 1,022.84 | 139,828.05 |
| 255 | 139,828.05 | 640.88 | 1,027.53 | 138,800.52 |
| 256 | 138,800.52 | 636.17 | 1,032.24 | 137,768.27 |
| 257 | 137,768.27 | 631.44 | 1,036.97 | 136,731.30 |
| 258 | 136,731.30 | 626.69 | 1,041.72 | 135,689.58 |
| 259 | 135,689.58 | 621.91 | 1,046.50 | 134,643.08 |
| 260 | 134,643.08 | 617.11 | 1,051.30 | 133,591.78 |
| 261 | 133,591.78 | 612.30 | 1,056.11 | 132,535.67 |
| 262 | 132,535.67 | 607.46 | 1,060.95 | 131,474.71 |
| 263 | 131,474.71 | 602.59 | 1,065.82 | 130,408.90 |
| 264 | 130,408.90 | 597.71 | 1,070.70 | 129,338.19 |
| #22 | ||||
| 265 | 129,338.19 | 592.80 | 1,075.61 | 128,262.58 |
| 266 | 128,262.58 | 587.87 | 1,080.54 | 127,182.04 |
| 267 | 127,182.04 | 582.92 | 1,085.49 | 126,096.55 |
| 268 | 126,096.55 | 577.94 | 1,090.47 | 125,006.08 |
| 269 | 125,006.08 | 572.94 | 1,095.47 | 123,910.62 |
| 270 | 123,910.62 | 567.92 | 1,100.49 | 122,810.13 |
| 271 | 122,810.13 | 562.88 | 1,105.53 | 121,704.60 |
| 272 | 121,704.60 | 557.81 | 1,110.60 | 120,594.00 |
| 273 | 120,594.00 | 552.72 | 1,115.69 | 119,478.32 |
| 274 | 119,478.32 | 547.61 | 1,120.80 | 118,357.52 |
| 275 | 118,357.52 | 542.47 | 1,125.94 | 117,231.58 |
| 276 | 117,231.58 | 537.31 | 1,131.10 | 116,100.48 |
| #23 | ||||
| 277 | 116,100.48 | 532.13 | 1,136.28 | 114,964.20 |
| 278 | 114,964.20 | 526.92 | 1,141.49 | 113,822.71 |
| 279 | 113,822.71 | 521.69 | 1,146.72 | 112,675.98 |
| 280 | 112,675.98 | 516.43 | 1,151.98 | 111,524.00 |
| 281 | 111,524.00 | 511.15 | 1,157.26 | 110,366.75 |
| 282 | 110,366.75 | 505.85 | 1,162.56 | 109,204.18 |
| 283 | 109,204.18 | 500.52 | 1,167.89 | 108,036.29 |
| 284 | 108,036.29 | 495.17 | 1,173.24 | 106,863.05 |
| 285 | 106,863.05 | 489.79 | 1,178.62 | 105,684.43 |
| 286 | 105,684.43 | 484.39 | 1,184.02 | 104,500.41 |
| 287 | 104,500.41 | 478.96 | 1,189.45 | 103,310.96 |
| 288 | 103,310.96 | 473.51 | 1,194.90 | 102,116.05 |
| #24 | ||||
| 289 | 102,116.05 | 468.03 | 1,200.38 | 100,915.68 |
| 290 | 100,915.68 | 462.53 | 1,205.88 | 99,709.80 |
| 291 | 99,709.80 | 457.00 | 1,211.41 | 98,498.39 |
| 292 | 98,498.39 | 451.45 | 1,216.96 | 97,281.43 |
| 293 | 97,281.43 | 445.87 | 1,222.54 | 96,058.89 |
| 294 | 96,058.89 | 440.27 | 1,228.14 | 94,830.75 |
| 295 | 94,830.75 | 434.64 | 1,233.77 | 93,596.98 |
| 296 | 93,596.98 | 428.99 | 1,239.42 | 92,357.56 |
| 297 | 92,357.56 | 423.31 | 1,245.10 | 91,112.46 |
| 298 | 91,112.46 | 417.60 | 1,250.81 | 89,861.64 |
| 299 | 89,861.64 | 411.87 | 1,256.54 | 88,605.10 |
| 300 | 88,605.10 | 406.11 | 1,262.30 | 87,342.80 |
| #25 | ||||
| 301 | 87,342.80 | 400.32 | 1,268.09 | 86,074.71 |
| 302 | 86,074.71 | 394.51 | 1,273.90 | 84,800.81 |
| 303 | 84,800.81 | 388.67 | 1,279.74 | 83,521.07 |
| 304 | 83,521.07 | 382.80 | 1,285.61 | 82,235.46 |
| 305 | 82,235.46 | 376.91 | 1,291.50 | 80,943.97 |
| 306 | 80,943.97 | 370.99 | 1,297.42 | 79,646.55 |
| 307 | 79,646.55 | 365.05 | 1,303.36 | 78,343.19 |
| 308 | 78,343.19 | 359.07 | 1,309.34 | 77,033.85 |
| 309 | 77,033.85 | 353.07 | 1,315.34 | 75,718.51 |
| 310 | 75,718.51 | 347.04 | 1,321.37 | 74,397.14 |
| 311 | 74,397.14 | 340.99 | 1,327.42 | 73,069.72 |
| 312 | 73,069.72 | 334.90 | 1,333.51 | 71,736.21 |
| #26 | ||||
| 313 | 71,736.21 | 328.79 | 1,339.62 | 70,396.59 |
| 314 | 70,396.59 | 322.65 | 1,345.76 | 69,050.84 |
| 315 | 69,050.84 | 316.48 | 1,351.93 | 67,698.91 |
| 316 | 67,698.91 | 310.29 | 1,358.12 | 66,340.78 |
| 317 | 66,340.78 | 304.06 | 1,364.35 | 64,976.44 |
| 318 | 64,976.44 | 297.81 | 1,370.60 | 63,605.84 |
| 319 | 63,605.84 | 291.53 | 1,376.88 | 62,228.95 |
| 320 | 62,228.95 | 285.22 | 1,383.19 | 60,845.76 |
| 321 | 60,845.76 | 278.88 | 1,389.53 | 59,456.22 |
| 322 | 59,456.22 | 272.51 | 1,395.90 | 58,060.32 |
| 323 | 58,060.32 | 266.11 | 1,402.30 | 56,658.02 |
| 324 | 56,658.02 | 259.68 | 1,408.73 | 55,249.29 |
| #27 | ||||
| 325 | 55,249.29 | 253.23 | 1,415.18 | 53,834.11 |
| 326 | 53,834.11 | 246.74 | 1,421.67 | 52,412.44 |
| 327 | 52,412.44 | 240.22 | 1,428.19 | 50,984.25 |
| 328 | 50,984.25 | 233.68 | 1,434.73 | 49,549.52 |
| 329 | 49,549.52 | 227.10 | 1,441.31 | 48,108.21 |
| 330 | 48,108.21 | 220.50 | 1,447.91 | 46,660.30 |
| 331 | 46,660.30 | 213.86 | 1,454.55 | 45,205.75 |
| 332 | 45,205.75 | 207.19 | 1,461.22 | 43,744.53 |
| 333 | 43,744.53 | 200.50 | 1,467.91 | 42,276.62 |
| 334 | 42,276.62 | 193.77 | 1,474.64 | 40,801.98 |
| 335 | 40,801.98 | 187.01 | 1,481.40 | 39,320.58 |
| 336 | 39,320.58 | 180.22 | 1,488.19 | 37,832.38 |
| #28 | ||||
| 337 | 37,832.38 | 173.40 | 1,495.01 | 36,337.37 |
| 338 | 36,337.37 | 166.55 | 1,501.86 | 34,835.51 |
| 339 | 34,835.51 | 159.66 | 1,508.75 | 33,326.76 |
| 340 | 33,326.76 | 152.75 | 1,515.66 | 31,811.10 |
| 341 | 31,811.10 | 145.80 | 1,522.61 | 30,288.49 |
| 342 | 30,288.49 | 138.82 | 1,529.59 | 28,758.90 |
| 343 | 28,758.90 | 131.81 | 1,536.60 | 27,222.30 |
| 344 | 27,222.30 | 124.77 | 1,543.64 | 25,678.66 |
| 345 | 25,678.66 | 117.69 | 1,550.72 | 24,127.95 |
| 346 | 24,127.95 | 110.59 | 1,557.82 | 22,570.12 |
| 347 | 22,570.12 | 103.45 | 1,564.96 | 21,005.16 |
| 348 | 21,005.16 | 96.27 | 1,572.14 | 19,433.02 |
| #29 | ||||
| 349 | 19,433.02 | 89.07 | 1,579.34 | 17,853.68 |
| 350 | 17,853.68 | 81.83 | 1,586.58 | 16,267.10 |
| 351 | 16,267.10 | 74.56 | 1,593.85 | 14,673.25 |
| 352 | 14,673.25 | 67.25 | 1,601.16 | 13,072.09 |
| 353 | 13,072.09 | 59.91 | 1,608.50 | 11,463.59 |
| 354 | 11,463.59 | 52.54 | 1,615.87 | 9,847.73 |
| 355 | 9,847.73 | 45.14 | 1,623.27 | 8,224.45 |
| 356 | 8,224.45 | 37.70 | 1,630.71 | 6,593.74 |
| 357 | 6,593.74 | 30.22 | 1,638.19 | 4,955.55 |
| 358 | 4,955.55 | 22.71 | 1,645.70 | 3,309.85 |
| 359 | 3,309.85 | 15.17 | 1,653.24 | 1,656.61 |
| 360 | 1,656.61 | 7.59 | 1,660.82 | -4.21 |
| #30 | ||||
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What Is This Tool?
This online FHA loan calculator helps borrowers estimate their total monthly payment by considering principal, interest, and FHA-specific mortgage insurance costs. It uses standard formulas for loan amortization and FHA insurance premiums to provide reliable payment estimates.
How to Use This Tool?
- Enter your home price and down payment to determine the base loan amount.
- Input your annual interest rate and loan term in years to compute monthly interest rate and payments.
- Specify FHA upfront mortgage insurance premium rate (commonly 1.75%) for UFMIP calculation.
- Provide the annual mortgage insurance premium rate to estimate monthly MIP costs.
- Click calculate to view your total monthly FHA loan payment including principal, interest, and insurance.
Key Features
- Calculates monthly principal and interest payments using standard mortgage formulas.
- Includes upfront mortgage insurance premium (UFMIP) automatically in the loan amount.
- Estimates monthly mortgage insurance premium (MIP) based on adjusted loan value and annual rates.
- Supports customization of loan amount, interest rate, loan term, down payment, and FHA insurance rates.
- Provides clear breakdown of payment components for better financial planning.
Examples
- For a home priced at $300,000 with a 3.5% down payment, the loan amount is approximately $289,500.
- Calculating UFMIP at 1.75%, UFMIP equals $5,066.25 added to the loan amount.
- With a 5% annual interest rate and 30-year term, monthly principal and interest is about $1,581.52.
- If the annual MIP rate is 0.85%, monthly mortgage insurance is approximately $208.90.
- The total estimated monthly FHA payment in this example is $1,790.42.
Common Use Cases
- First-time homebuyers planning their monthly housing expenses.
- FHA borrowers comparing different loan options and payment scenarios.
- Loan officers assessing borrower affordability and payment breakdown.
- Real estate agents advising clients on FHA loan costs and financing.
Tips & Best Practices
- Ensure accurate input of home price, down payment, and interest rates for precise estimates.
- Update mortgage insurance rates as FHA guidelines change to reflect accurate costs.
- Consider the UFMIP as part of your loan amount to avoid surprises in payment calculations.
- Use the tool alongside estimates for property taxes and insurance to get a full picture of monthly costs.
- Regularly review loan terms and FHA insurance rates when refinancing or applying for new loans.
Limitations
- Does not include property taxes, homeowners insurance, or HOA fees in the monthly payment calculation.
- Mortgage insurance premium rates may vary and are subject to FHA guideline changes.
- Calculations assume fixed rates and do not reflect adjustable rate mortgages or loan modifications.
- Does not account for variations in loan fees or other lender-specific costs.
Frequently Asked Questions
- What components are included in the FHA loan monthly payment calculated by this tool?
- The tool calculates monthly principal and interest payments along with both upfront and annual FHA mortgage insurance premiums.
- How is the upfront mortgage insurance premium (UFMIP) calculated?
- UFMIP is calculated by multiplying the base loan amount by the upfront MIP rate, commonly 1.75%, which is then added to the loan amount.
- Does this calculator account for property taxes and homeowners insurance?
- No, this calculator focuses solely on principal, interest, and FHA mortgage insurance premiums and does not include property taxes or homeowners insurance.
- Can I use this calculator for non-FHA loans?
- This calculator is designed specifically for FHA loans and their unique insurance premiums and may not produce accurate results for other loan types.
Key Terminology
- P
- Base loan amount calculated as home price minus down payment.
- r
- Monthly interest rate derived from dividing the annual interest rate by 12.
- n
- Total number of monthly payments, calculated as loan term in years multiplied by 12.
- UFMIP
- Upfront Mortgage Insurance Premium added to the loan amount, typically 1.75% of the base loan.
- MIP_monthly
- Monthly mortgage insurance premium calculated based on the adjusted loan amount and annual MIP rate.