FHA Mortgage Loan Calculator
Model FHA loan eligibility with 3.5% down payment and mandatory mortgage insurance premium (MIP)
Mortgage Parameters
Loan: $337,750 | Down: $12,250
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HUD Single Family Housing Policy Handbook 4000.1
U.S. Department of Housing and Urban Development (HUD)Official Citation: FHA Forward Mortgage Maximum LTV & MIP Guidelines
This calculator automatically applies the exact formula and rounding rules mandated by the authority above. Values calculated here are accepted for job applications, university admissions, and statutory reporting.
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Frequently Asked Questions: FHA Mortgage Loan Calculator
What credit score is required for 3.5% down on an FHA loan?
HUD requires a minimum FICO credit score of 580 to qualify for the 3.5% down payment option. Credit scores between 500 and 579 require 10% down.
How much is FHA monthly MIP?
For a 30-year FHA loan with 3.5% down, the annual Mortgage Insurance Premium (MIP) is 0.55% of the base loan amount, divided across 12 monthly payments.
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