Try the FHA calculator
This is the same calculator your borrowers see — branded to your firm in the snapshot install. Try it with any scenario.
FHA Loan Calculator
Includes 1.75% UFMIP financed into the loan and the LTV-based annual MIP.
Min 3.5% — currently $14,700
Estimates only. Not a commitment to lend. Actual rates and fees depend on credit, property, lender pricing, and underwriting. Consult a licensed loan officer.
What the FHA calculator does
The snapshot’s FHA calculator handles the full FHA loan math, not just principal and interest:
- 3.5% minimum down — enforces FHA’s minimum down requirement and surfaces the actual dollar amount.
- 1.75% UFMIP — automatically financed into the loan amount (or paid at close — borrower’s choice).
- LTV-based annual MIP — uses the 2025 schedule: 30-yr LTV >95% = 0.55%, 30-yr LTV ≤95% = 0.50%, 15-yr terms differ.
- Full PITI — principal, interest, taxes, insurance, HOA, and monthly MIP all in one number.
- Total interest over term — shows the lifetime cost, not just the monthly.
Where it lives in the snapshot
- Embedded on your homepage as a lead-magnet section
- Standalone calculator page at
/features/fha-calculator(this page, white-labeled) - Embedded on the FHA Loan Specialist sub-niche service page
- Embedded inside the first-time-homebuyer educational nurture sequence (email + landing)
- Available as a popup widget your AI receptionist can hand off to
What a borrower sees vs what you see
When a borrower interacts with your branded FHA calculator, the snapshot captures every scenario they run. You get a daily digest of:
- How many scenarios were run
- Average home price
- Average estimated monthly payment
- Email-capture conversion rate
- Which scenarios led to a pre-qual form submission
This is top-of-funnel intelligence most originators never have.
The full mortgage snapshot ships all 7 calculators, white-labeled
Is the 2025 FHA MIP schedule built in?
Yes. The calculator uses the 2025 schedule: 30-yr LTV >95% = 0.55%, 30-yr LTV ≤95% = 0.50%, 15-yr LTV >90% = 0.40%, 15-yr LTV ≤90% = 0.15%. We update the schedule whenever HUD publishes changes.
Does it handle the UFMIP financed into the loan?
Yes — the UFMIP is automatically rolled into the loan amount, and the monthly P&I + MIP reflects the increased base.
Can I customize the default inputs?
Yes. During snapshot install, we set defaults to your typical borrower (e.g., home price = your average loan size, tax rate = your state default).
Does this work for FHA 203(k) renovation loans?
Not directly. The default calculator handles 203(b) standard FHA. 203(k) renovation requires a more complex calculator that we offer as a custom add-on.