DidYouKnow.Mortgage
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★ Did You Know? FHA Mortgage Calculator

FHA Mortgage Calculator

Built for everyone but tuned for Southern Utah buyers. UFMIP (Up-Front Mortgage Insurance Premium) and annual MIP (Mortgage Insurance Premium) are baked in automatically so what you see is what you'll actually pay each month.

Your mortgage calculation results are pinned to the bottom of your screen.

Loan Details

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Includes 1.75% UFMIP financed into the loan:
Base Loan $0 UFMIP (1.75%) $0 Total Financed $0
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yrs

Homeowner Expenses

Pre-filled with Southern Utah averages. If you're shopping outside Iron or Washington County, adjust these numbers to match your local rates.

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Extra Payments

Slash interest costs and pay off your loan years early by contributing small amounts to your principal.

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Total Monthly Payment Estimate
$0.00

Monthly payment, includes principal, interest, taxes, insurance, MIP and HOA.

P & I
$0
Taxes
$0
Insurance
$0
MIP
$0
HOA
$0
Savings Callout Extra payments unlock real savings
Interest Saved
$0
Time Saved
0 yrs
Baseline Plan
Total Interest -
Payoff Date -
Extra Payment Plan
Total Interest -
Payoff Date -

Run Your Own Scenarios

Drag the slider to test different extra payment amounts and watch how each one impacts your savings.

Extra per month
$0 $1,000 $2,000+
FHA MIP Duration The 10% Down Decision
Your Current Status
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-
Total MIP You'll Pay
$0 over 0 years
Why this matters: FHA MIP works differently than conventional PMI. With less than 10% down, MIP stays for the entire life of your loan. With 10% or more down, MIP cancels automatically after 11 years. Many FHA borrowers refinance to a conventional loan once they hit 20% equity to drop MIP early.

Payoff Progression Visualizer

Payment Amortization Schedule

Annual totals at a glance. Tap any year to see the monthly breakdown.

Period Payment Principal Interest Extra Balance
Expert Coordination

Need a professional pre-approval?

Work with Scott Buehler, your mortgage consultant licensed in Utah, Arizona, Nevada, Wyoming and California. Lock in your rate and know exactly what you can afford in today's market.

This calculator is for illustrative purposes only. Estimates are based on the inputs provided and may not reflect your actual loan terms. FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75% and an annual MIP that varies based on loan-to-value and term. Property tax rates, insurance premiums, and MIP costs vary by lender, location, and individual qualification. FHA loan limits apply and vary by county. Consult a licensed mortgage professional for an accurate quote. Not a commitment to lend. Equal Housing Opportunity. Scott Buehler NMLS #1794818. Guild Mortgage Company NMLS #3274 (www.nmlsconsumeraccess.org). All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.