United States · 2026 planning tool

FHA Loan Calculator with Mortgage Insurance

Estimate an FHA payment, upfront MIP, annual MIP, and the 2026 county-limit check.

Your inputs

Build your estimate

Select the property state, county and unit count to load HUD’s 2026 limit, or enter a separately verified limit. The initial $541,287 is only the one-unit low-cost floor. County names use HUD’s abbreviated labels and county FIPS.

Official sources and scope

Rules and source methodology reviewed September 11, 2026.

HUD FHA mortgage-insurance schedule · HUD 2026 loan limits · HUD county limit lookup

FHA payment and mortgage insurance

The calculator applies HUD's 1.75% upfront mortgage insurance premium and the annual MIP matrix for case numbers endorsed on or after March 20, 2023. The annual rate depends on original base loan, term and loan-to-value; duration is 11 years at 90% LTV or less and generally the mortgage term above 90%.

The 2026 one-unit low-cost floor is $541,287 and high-cost ceiling is $1,249,125, but the correct limit depends on county and unit count. Enter the result from HUD's lookup.

Official sources