Precision calculations for MIP, VA funding fees, and USDA guarantee fees updated for 2026.
FHA Loan Parameters
$
%
Amount: $12,250 • Required: 3.5%
StatusREADY
Projected Monthly Payment
$2,737
Base Loan
$337,750
Upfront Fee
1.75%
Annual Fee
0.55%
Total Loan
$343,661
Payment Composition
Principal & Interest
$2,116
Monthly MIP
$155
Property Tax
$350
Home Insurance
$117
Loan Lifecycle
Upfront Guarantee Fee$5,911
Total Interest Paid$418,091
Total Cost of Loan$823,391
🏠FHA
3.5% Down • High Leverage
🎖️VA
0% Down • Veteran Benefit
🌾USDA
0% Down • Rural Housing
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FHA MIP is mandatory for the life of the loan in most cases. The upfront MIP (1.75%) is usually financed into the loan amount.
Estimation Only: Results from the Government Loan Calculator are for informational and educational purposes only. They do not constitute financial, tax, mortgage, or legal advice. Actual payments, rates, taxes, and insurance will vary. Always consult a licensed financial professional before making any financial decisions. No personal data is transmitted by this calculator.