Advanced Mortgage Calculator
Full payment breakdown including DPA, UFMIP, MIP/PMI, taxes, insurance and HOA.
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Enter the property address to auto-fill the estimated value and tax rate.
Property & Loan
$
FHA Loan Conditions
• UFMIP: 1.75% of base loan (financed)
• Annual MIP: 0.55% (for 30yr, LTV >90%)
• Minimum down payment: 3.5%
%
LTV: 96.5% · Down: $8,750
%
Taxes, Insurance & HOA
%
$6,250/yr · $521/mo
$
Down Payment Assistance (DPA)
Estimated Monthly Payment
$2,411
PITI + MIP/PMI
Payment Breakdown
① Base Loan Amount
$241,250LTV: 96.5%
② UFMIP / Upfront MI Financed
$4,221.881.75% × $241,250
③ Total First Loan
$245,472Base + UFMIP financed
④ P&I First Loan (monthly)
$1,612.586.875% / 30 yrs
⑤ MIP (monthly)
$110.570.550% annual · score-adjusted
⑥ Property Taxes (monthly)
$520.832.5% × $250,000 / 12
⑦ Home Insurance (monthly)
$166.67$2,000 / 12
Total Monthly Payment
$2,411⚠ All values are estimates only and do not constitute a loan commitment.