Monthly Payment
FHA Loan Calculator
Calculate your estimated monthly payment for an FHA loan including upfront and annual mortgage insurance premiums (MIP).
3.5%
Today's average as of September 14, 2026. Adjust to your quote.
Results
Total Monthly Payment
$3,294.08
Base Loan Amount$386,000
Upfront MIP (1.75%)$6,755
Total Loan (incl. UFMIP)$392,755
Principal & Interest$2,547.40
Monthly MIP$180.01
Property Tax$416.67
Insurance$150
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FAQ
FHA Calculator Questions
Straight answers from a California mortgage broker.
FHA loans charge an upfront premium of 1.75% of the loan amount, usually financed into the loan, plus an annual premium paid monthly. With less than 10% down the monthly MIP stays for the life of the loan; refinancing into a conventional loan later removes it.
3.5% with a credit score of 580 or higher. Scores between 500 and 579 require 10% down. Gift funds can cover the entire down payment.
Yes. FHA limits are set by county each year and Los Angeles County is a high-cost area. Ask us for the current limit before you shop; jumbo or conventional options exist above it.
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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: September 2026