Mortgage insurance, taxes, and homeowners insurance included, not the payment most calculators show you. Tell me where to send it and the full breakdown lands in your inbox.
How FHA works
These are the numbers underwriting actually runs. Here is what moves each one.
Down payment tier
On a $400,000 purchase, 5% down is $20,000 and leaves a $380,000 loan. Below 5% down, annual MIP rises from 0.50% to 0.55%.
Upfront MIP is added to the loan
Upfront MIP is 1.75%, or $6,650, financed straight into the loan, so the real balance becomes $386,650.
Escrow, HOA, and monthly MIP
Principal and interest is $2,572. Taxes add $410, MIP adds $177, insurance adds $125, and HOA adds $350, pushing the payment to $3,635.
Both debt to income ratios
Front end DTI weighs housing cost against income. Back end DTI adds car, student, card, and support payments. Both have to pass.
Free estimate
Principal, interest, mortgage insurance, taxes, and insurance, in one number you can actually use.
No credit pull. Your info is never sold or shared.
Check your email for your FHA payment breakdown. A loan officer will also reach out shortly to walk through your actual rate and terms.
What the estimate assumes
Illustration only, based on a current market range. Actual figures are determined by underwriting.
Book a 15-minute call. We will look at your actual numbers, your credit range, and what down payment assistance you may qualify for.
Real results from real clients. Straight talk, no pressure, and savings that actually show up on your bank statement.
