FHA Loan Calculator - 2025 Rules
Total Monthly Payment
$3,189
P&I + MIP + Escrow
Principal & Interest
$2,398
Monthly MIP
$183
Front-End DTI
31.0%
Back-End DTI
36.0%
| FHA Loan Summary | |
|---|---|
| Base Loan Amount | $386,000 |
| Up-Front MIP (1.75%) | $6,755 |
| Total Loan Amount | $392,755 |
| Annual MIP Rate | 0.55% |
| Monthly P&I | $2,398 |
| Monthly MIP | $183 |
| Monthly Escrow (T&I) | $525 |
| Total Monthly Payment | $3,106 |
HUD Disclaimer: This tool is for educational purposes. Consult an FHA-approved lender for official loan estimates.
MIP Notice: FHA mortgage insurance cannot be cancelled unless you refinance to a non-FHA loan or pay off the mortgage.
| Mortgage Insurance Premium (MIP) | |
|---|---|
| Up-Front MIP (1.75%) | $6,755 |
| Financed into Loan | Yes |
| Annual MIP Rate | 0.55% |
| Monthly MIP Payment | $183 |
| Total MIP (Life of Loan) | $65,880 |
| LTV Ratio | 96.5% |
| DTI Analysis (HUD 4000.1) | |
|---|---|
| Gross Monthly Income | $10,000 |
| Total Housing Payment | $3,106 |
| Other Monthly Debts | $500 |
| Front-End DTI | 31.0% |
| Front-End Limit | 31.0% |
| Back-End DTI | 36.0% |
| Back-End Limit | 43.0% |
| Qualification Status | ✓ Qualified |
| Maximum Affordable House Price | |
|---|---|
| Based on Front-End DTI (31%) | $422,100 |
| Based on Back-End DTI (43%) | $465,300 |
| FHA County Limit | $726,200 |
| Maximum Affordable | $422,100 |
| Month | Payment | Principal | Interest | MIP | Balance |
|---|