Free FHA Loan Calculator - Calculate FHA Mortgage Payments & MIP for 2025

Our free FHA loan calculator for 2025 helps you calculate accurate monthly payments for Federal Housing Administration mortgages, including both upfront and annual mortgage insurance premiums (MIP). FHA loans allow qualifying buyers to purchase homes with as little as 3.5% down and credit scores starting at 580. This comprehensive calculator factors in all FHA-specific requirements including the 1.75% upfront MIP (rolled into your loan), annual MIP rates based on your down payment and loan term, property type limits, and total closing costs. Whether you're a first-time homebuyer or looking to refinance, instantly see your complete FHA payment breakdown including principal, interest, taxes, insurance, and both types of MIP.