MORTGAGE TOOLS

FHA Loan Calculator

Estimate an FHA payment including upfront and monthly mortgage insurance.

AlexTheMortgageGuy⁠.com FHA Loan Calculator

Term

Upfront MIP PaymentMIP Base-Loan Tier Threshold ($)2026 national conforming loan limit used for premium tiers. Update annually; this is not a county FHA loan limit.

Interest Rate (%)

Purchase Price ($)

Down Payment ($) *FHA requires min 3.5% ($12,250)

Property Tax Rate (% of price per year)Many South Florida purchases run about 1.6–2.2% of the price per year after reassessment.

Property Taxes ($/mo, calculated from the rate above; you can edit it)

Hazard Insurance ($/mo) South Florida premiums vary widely by age, roof and flood zone. Get a quote before you shop.

HOA Fees ($/mo)

Your Estimated FHA Payment

$0.00

Base Loan Amount $0.00

Upfront MIP (1.75%)** $0.00

Total Financed Loan$0.00

Principal & Interest $0.00

Property Taxes $0.00

Hazard Insurance $0.00

HOA / Fees $0.00

FHA Mortgage Insurance (MIP) $0.00

**Upfront Mortgage Insurance Premium (UFMIP): FHA structures require a 1.75% upfront fee. This calculator defaults to financing this fee directly into your total loan amount. Alternatively, borrowers have the option to pay this amount completely in cash at closing, which would lower the monthly Principal & Interest payment.

Planning estimate only; not a loan offer, approval, or rate quote. MIP assumptions use the standard forward-mortgage table in HUD Mortgagee Letter 2023-05, including term, LTV, and the $832,750 base-loan premium-tier threshold for 2026, which is editable and should be updated annually (not a county FHA loan limit). Monthly MIP is an initial-base-loan approximation; actual scheduled premiums may differ. Special FHA cases, loan limits, eligibility, closing costs, prepaid expenses, and reserves are not modeled. Confirm premiums and terms with your lender.

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Calculators are a great starting point, but your rate, mortgage insurance, taxes and insurance depend on your situation. Alex will run personalized numbers across 300+ wholesale lenders through NEXA Mortgage.

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Calculator results are estimates for illustration only and are not a loan offer, pre-approval or commitment to lend. Not a commitment to lend. Not all applicants qualify. Programs, rates, terms and availability may change without notice. All loans are subject to credit, income, asset and property approval. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.