%
%
%
/mo
/yr
FHA Loan Results
$0
Total Monthly Payment
| Component | Monthly | Total |
|---|
Payment Breakdown
Loan Summary
FHA Mortgage Insurance Summary
Upfront MIP
$0
Monthly MIP
$0
Total MIP Over Loan
$0
Loan-to-Value (LTV)
0%
MIP Removal Timeline ?
⏳
Calculate to see MIP removal details
FHA vs Conventional Comparison ?
| Feature | FHA Loan | Conventional |
|---|
Refinance Break-Even Analysis ?
$
%
LTV Milestones ?
📍
90% LTV
--
🎯
80% LTV
--
PMI removal eligible
✅
78% LTV
--
PMI auto-canceled
Balance Over Time
Amortization Schedule
2025 FHA Annual MIP Rates Reference
Loan Term > 15 Years
| Loan Amount | LTV | MIP Rate |
|---|---|---|
| ≤$726,200 | ≤95% | 0.50% |
| ≤$726,200 | >95% | 0.55% |
| >$726,200 | ≤95% | 0.70% |
| >$726,200 | >95% | 0.75% |
Loan Term ≤ 15 Years
| Loan Amount | LTV | MIP Rate |
|---|---|---|
| ≤$726,200 | ≤90% | 0.15% |
| ≤$726,200 | >90% | 0.40% |
| >$726,200 | ≤78% | 0.15% |
| >$726,200 | 78-90% | 0.40% |
| >$726,200 | >90% | 0.65% |