FHA Loan Calculator
Calculate your estimated FHA loan payment including MIP. See how FHA loans make homeownership accessible with lower down payments and flexible credit requirements.
Last updated February 27, 2026
Estimated Monthly Payment
$1,770
Principal & Interest Only
How the FHA Loan Calculator Works
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Understanding FHA Mortgage Insurance
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FHA Loan Limits
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Find Your Rate →Frequently Asked Questions
What is MIP on an FHA loan?
Mortgage Insurance Premium (MIP) is required on all FHA loans. It includes an upfront premium of 1.75% of the loan amount and an annual premium of 0.55-1.05% paid monthly.
How much down payment do I need for an FHA loan?
FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher. With a score between 500-579, a 10% down payment is required.
Can I remove MIP from my FHA loan?
For FHA loans originated after June 2013 with less than 10% down, MIP lasts for the life of the loan. To remove it, you would need to refinance into a conventional loan.
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