Smart Rate Lending

FHA Loan Calculator

FHA loan payment calculator with upfront FHA MIP, FHA mortgage insurance, property taxes, and homeowners insurance.

%

Tax & Insurance

Payment $3,455

Principal & Interest$2,247
Property Tax$833
Home Insurance$208
Estimated PMI$166

Income Benchmarks

Housing Ratio
25%$166,000
35%$119,000
40%$104,000
~ Allowable Debt
$2,490
$800
$270
Allowable debt is an estimate of monthly debt payments given your inputs and the income calculated to maintain a debt-to-income ratio below 43%.

Loan $407,000

Purchase Price $500,000
Down Payment • 20%$100,000
Total Mortgage Payments$868,705

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