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Mortgage & Home Loans · Alternative & Specialty

FHA Loan Calculator

FHA mortgage payment including upfront and annual mortgage insurance premiums (MIP).

  • Free to use here · embed on the Free plan
  • 4 inputs · 8 results
  • English & Spanish

Try the FHA Loan Calculator

Estimate your FHA payment with MIP — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the FHA Loan calculator works out

The FHA Loan Calculator is a free, embeddable calculator from CalcFunnel. FHA mortgage payment including upfront and annual mortgage insurance premiums (MIP).

You enter 4 inputs: home price, down payment (%), interest rate (%) and loan term (years).

It returns monthly payment, principal & interest, monthly MIP, base loan amount, upfront MIP (financed) and total loan amount, plus 2 more figures.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Monthly Payment
  2. 02Principal & Interest
  3. 03Monthly MIP
  4. 04Base Loan Amount
  5. 05Upfront MIP (financed)
  6. 06Total Loan Amount
  7. 07Annual MIP Rate
  8. 08MIP Duration

The first figure — monthly payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Property & Down Payment

Home Price
The purchase price of the home you want to buy — used to calculate your base loan amount.
Down Payment (%)
Your down payment as a percentage of the home price. FHA loans allow as little as 3.5% down with a credit score of 580+. Putting 10% or more down lets annual MIP end after 11 years.

Loan Terms

Interest Rate (%)
The annual interest rate on your FHA loan. Even a small change noticeably affects the monthly payment.
Loan Term (years)
How many years you have to repay the loan. A shorter term means higher payments but far less total interest.

For your website

Embed this calculator on your website

Put the FHA Loan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

FHA Loan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the FHA Loan Calculator calculate?
FHA mortgage payment including upfront and annual mortgage insurance premiums (MIP). It returns monthly payment, principal & interest, monthly MIP, base loan amount, upfront MIP (financed) and total loan amount, plus 2 more figures.
Q.02What information do I need to use the FHA Loan Calculator?
You enter 4 inputs: home price, down payment (%), interest rate (%) and loan term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Home Price” mean in the FHA Loan Calculator?
The purchase price of the home you want to buy — used to calculate your base loan amount.
Q.04What does “Down Payment (%)” mean in the FHA Loan Calculator?
Your down payment as a percentage of the home price. FHA loans allow as little as 3.5% down with a credit score of 580+. Putting 10% or more down lets annual MIP end after 11 years.
Q.05Is the FHA Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the FHA Loan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the FHA Loan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the FHA Loan results financial advice?
No. Estimates only. FHA mortgage insurance premiums (upfront and annual) and loan limits are set by HUD and change periodically. Confirm current MIP rates and eligibility with an FHA-approved lender.

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Your website does the math. You get the lead.

The FHA Loan Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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