FHA Loan Calculator
Estimate your complete monthly FHA mortgage payment — including principal, interest, property taxes, insurance, and FHA mortgage insurance premiums (MIP).
Monthly Payment Breakdown
Visual breakdown of each component in your monthly payment.
Year-by-Year Amortization
| Year | Beginning Balance | Principal Paid | Interest Paid | MIP Paid | Ending Balance |
|---|
📊 2025 California FHA Loan Limits by County
| County | Standard Limit (1 Unit) | High-Cost Limit (1 Unit) |
|---|---|---|
| Alameda | $472,030 | $1,089,300 |
| Contra Costa | $472,030 | $1,089,300 |
| Fresno | $472,030 | $539,000 |
| Los Angeles | $472,030 | $1,089,300 |
| Orange | $472,030 | $1,089,300 |
| Riverside | $472,030 | $644,000 |
| San Bernardino | $472,030 | $644,000 |
| San Diego | $472,030 | $1,006,250 |
| San Francisco | $472,030 | $1,089,300 |
| Santa Clara | $472,030 | $1,089,300 |
| Sacramento | $472,030 | $763,600 |
| Tulare | $472,030 | $539,000 |
How This Works
FHA Mortgage Insurance (MIP)
FHA loans require two layers of mortgage insurance. An upfront premium (typically 1.75% of the loan) is added to your balance at closing. An annual premium (around 0.55% for 30-year loans) is charged monthly on the remaining balance — protecting the lender if you default.
Principal & Interest
This is the base cost of borrowing. Your loan amount — including the financed upfront MIP — is paid off over the term at your locked interest rate. Early payments are heavily weighted toward interest; over time, more goes to reducing your principal balance.
Taxes, Insurance & HOA
These escrow items are collected monthly alongside your loan payment. Property taxes and homeowners insurance protect you and your lender. HOA fees, where applicable, cover shared community costs. Together they make up a significant portion of your true housing expense.