FHA Loan Payment Calculator
Estimate your monthly payment for a purchase, streamline refinance, or cash-out refinance — FHA mortgage insurance (MIP) included automatically.
Transaction Type
Purchase
Refinance
FHA Streamline (No Cash Out)
Cash-Out Refinance
Property & Loan
FHA requires a minimum 3.5% down payment with a 580+ credit score (10% down for scores 500-579). Adjust your down payment above.
Taxes, Insurance & HOA
Current Loan
FHA cash-out refinances are capped at 80% loan-to-value. Reduce your cash-out amount or confirm your home value.
Taxes & Insurance (optional)
$0/mo
Estimated total monthly payment
Principal & interest$0
Monthly MIP$0
Property tax$0
Homeowners insurance$0
HOA dues$0
Taxes + insurance$0
Base loan amount$0
Loan-to-value0%
Upfront MIP (1.75%)$0
Total loan amount$0
Annual MIP rate0 bps
If you're refinancing an existing FHA loan within 3 years of when it closed, you may qualify for a prorated refund of your original upfront MIP — your loan officer will calculate your exact credit.
Check My Eligibility for These Numbers
This is an estimate, not a rate quote. See your actual eligibility and get a real quote from a licensed loan officer.
My Community Mortgage · NMLS #2408499. This calculator provides estimates only and is not a loan offer, rate quote, or commitment to lend. Actual rates, fees, taxes, MIP, and insurance vary by lender, credit profile, and location. Equal Housing Opportunity.
