● 2026 HUD / FHA Lending Guidelines
FHA Loan Calculator & MIP Estimator
Calculate your monthly FHA mortgage payment with as little as 3.5% down. Computes the 1.75% Upfront Mortgage Insurance Premium (UFMIP) financed into the loan balance and 0.55% annual mortgage insurance premium.
Median US FHA Purchase Example ($350,000 Purchase Price)
Down Payment (3.5%)
$12,250
Base loan: $337,750
1.75% Upfront MIP
$5,911
Total loan financed: $343,661
Monthly MIP (0.55%)
$155/mo
Duration: Life of loan (for <10% down)
Total Monthly PITI + MIP
$2,790/mo
At 6.50% interest rate