FHA Mortgage Calculator with PMI and Taxes

FHA mortgage calculator with pmi and taxes and insurance - calculate fha mortgage payment with a printable amortization schedule. The FHA loan calculator has options to calculate property tax, home insurance, payment frequency (monthly and bi-weekly), monthly HOA fees and extra payments.

FHA Loan Calculator with PMI and Taxes

The FHA Loan Calculator with PMI and taxes is easy to use with break downs of every payment showing in the mortgage amortization schedule with monthly and biweekly payment options. The FHA mortgage calculator also offers extra payment options that shows you how much faster you can payoff the mortgage if you are making regular extra payments. The extra payment can be an one time payment, yearly, quarterly or every payment (monthly or biweekly).

FHA Mortgage Calculator

The FHA mortgage calculator with taxes and insurance includes options for up front and annual MIP. For conventional loan there is an insurance called the Private Mortgage Insurance or PMI when your down payment is less than 20%. For FHA mortgage, there is something similar to PMI called the One time Up Front MIP and Annual MIP.

The one time up front MIP is currently 1.75% of your base mortgage amount, and your final mortgage amount is equal to the base mortgage amount plus the one time up front MIP. The rules on how to calculate Annual MIP is based on on the based loan amount and loan-to-value or LTV ratio. The calculation changes over the years and is very complex.

To keep the FHA loan mortgage calculator easier to use and understand, the calculator will simply asks you for a annual MIP and the cost will show up on every payment in the mortgage amortization schedule. Currently, the annual MIP rate is 0.85% for 30 year mortgage and 0.45% for 15 year mortgage. The calculator should really be called FHA mortgage payment calculator with MIP and taxes instead of PMI.

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