Mortgage Calculators
FHA Loan Calculator
Estimate an FHA mortgage payment including the upfront and annual mortgage insurance premiums that come with the programme.
Estimated monthly payment
$2,340.37
- Principal & interest
- $1,813.70
- Mortgage insurance / annual fee
- $135.01
- Tax & insurance
- $391.67
- Total financed
- $294,566
- Principal & interest
- Fees
- Escrow
Repayment schedule — yearly
| Year | Interest paid | Principal paid | Balance remaining |
|---|---|---|---|
| 1 | $18,313 | $3,452 | $291,115 |
| 2 | $18,091 | $3,674 | $287,441 |
| 3 | $17,854 | $3,910 | $283,531 |
| 4 | $17,603 | $4,162 | $279,369 |
| 5 | $17,335 | $4,429 | $274,940 |
| 6 | $17,050 | $4,714 | $270,226 |
| 7 | $16,747 | $5,017 | $265,209 |
| 8 | $16,424 | $5,340 | $259,869 |
| 9 | $16,081 | $5,684 | $254,185 |
| 10 | $15,715 | $6,049 | $248,136 |
How this calculator works
Financed = price − deposit + upfront fee; Payment = amortised financed amount + annual fee ÷ 12 + escrow
- upfront fee
- 1.75% of the base loan, financed into the balance
- annual fee
- 0.55% of the balance, charged monthly
Important considerations
- Eligibility rules, county limits and fee tiers vary — confirm the exact figures with an approved lender.
- Fees shown use current headline rates and are financed into the loan where the programme allows.
Related calculators
- Mortgage CalculatorEstimate your total monthly mortgage payment and see the amortisation schedule.
- Mortgage Affordability CalculatorHow much house your income and debts realistically support.
- Down Payment CalculatorDeposit required, loan needed and time to save it.
- Closing Cost CalculatorTotal cash needed to close, deposit included.
- Loan-to-Value CalculatorLTV ratio, equity and the gap to the next rate band.
- Mortgage Payment CalculatorPrincipal and interest payment on any home loan amount.
Learn more
Fixed vs. Variable Mortgage Rates: A Side-by-Side Comparison
How rate structure affects monthly payments, total interest, and the risk you carry over a full loan term.
When Refinancing a Mortgage Changes Your Total Cost
How break fees, remaining term, and the new rate combine to decide whether refinancing saves anything.
Home Loan Deposits and Loan-to-Value Bands, Explained
What a deposit changes about pricing, and why lenders group applications into LTV bands.
Terms used here
Frequently asked questions
Are these fees refundable?
Partial refunds of upfront fees exist on some programmes if you refinance early. Ask the lender before assuming one applies.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01