Calculate the complete payment
Start with principal, interest, MIP, property taxes, homeowners insurance, and HOA dues.
Estimate the monthly cost of an FHA loan using your home price, down payment, interest rate, FHA mortgage insurance, property taxes, homeowners insurance, and HOA dues. Then use the affordability calculator when you are ready to explore a potential price range.
Planning estimate only: calculator results are not a loan approval, quote, Loan Estimate, pre-approval, or commitment to lend. Final payment and qualification depend on verified information, current rates, property details, FHA requirements, underwriting, and applicable lender requirements.
Build your payment
Start with principal, interest, MIP, property taxes, homeowners insurance, and HOA dues.
Then compare income, debts, down payment, housing costs, and potential price ranges.
Use the numbers to ask better questions before eligibility review or pre-approval.
Utah FHA payment calculator
Build a Utah FHA purchase scenario using your home price, down payment, interest rate and property expenses. The calculator automatically estimates FHA upfront and annual mortgage insurance and checks the planned base loan against the 2026 FHA limit for the selected Utah county and property type.
Start with planning numbers. You can change any input to compare scenarios.
Estimated complete payment
Estimated monthly housing payment $—Principal, interest, estimated FHA MIP, property taxes, homeowners insurance and HOA dues.
FHA loan snapshot
The planned base loan is below the applicable 2026 FHA county limit.
This calculator estimates the housing payment from the information entered. It does not determine whether the borrower qualifies, calculate final cash to close, account for seller credits or down payment assistance, establish the final appraised value, or replace lender underwriting.
FHA limits apply to the base loan before financed upfront MIP. The applicable maximum varies by Utah county and the property's number of living units.
Review 2026 Utah FHA Loan Limits →Educational planning calculator only. It is not a Loan Estimate, rate quote, qualification, approval, pre-approval, or commitment to lend. The calculator assumes the entered purchase price is the applicable planning value; FHA's final maximum mortgage calculation may depend on adjusted value, appraisal, transaction details, case-number assignment date, current FHA policy, and lender requirements. Mortgage insurance and payment calculations are estimates and may differ from FHA Connection or the lender's final calculations.
FHA affordability calculator
Start with gross monthly income and recurring monthly debts. The calculator estimates a more conservative target price first, then shows the additional buying power that may be available with a higher DTI and an acceptable automated underwriting result.
A higher qualifying ratio can help a buyer reach a needed purchase price, but it also means more monthly income is committed to housing and other debt. This calculator shows both ends of the planning range instead of treating the maximum as the goal.
Use gross monthly qualifying income before taxes and monthly recurring obligations that would normally be included in the mortgage debt-to-income calculation.
Estimated FHA affordability
Estimated purchase price range $— – $—The lower figure uses the 36% / 46% planning target. The upper figure uses the 46% / 56% higher-DTI assumptions, subject to the applicable FHA county loan limit.
Enter your information to compare debt ratios and the FHA county loan limit.
Qualification and affordability are not exactly the same thing. The target estimate uses lower debt ratios to leave more room in the monthly budget. The higher-DTI estimate shows additional purchasing power that may be useful when a buyer needs it, but it also commits more gross monthly income to housing and debt.
FHA TOTAL/AUS evaluates more than debt ratios. Income, credit, liabilities, assets, property eligibility, documentation and the complete loan file still matter.
Check My FHA Eligibility →Educational planning calculator only. The 36% housing / 46% total DTI figures are used as a more conservative planning target. The 46% housing / 56% total DTI figures are used as higher-DTI planning assumptions and do not guarantee an FHA TOTAL/AUS Accept recommendation, qualification, pre-approval, approval, rate, loan amount, or commitment to lend. Actual qualification depends on verified income, credit, liabilities, assets, property eligibility, appraisal, FHA policy, AUS findings, underwriting, lender requirements, and the applicable FHA loan limit.
Understanding the number
Principal and interest are only part of the monthly housing expense. A useful FHA payment estimate should also consider mortgage insurance, property taxes, homeowners insurance, and HOA dues when applicable.
A basic mortgage calculator may show only the loan payment. For budgeting and FHA qualification, the complete housing expense is the more useful number.
The portion of the mortgage payment that reduces the amount borrowed.
The financing cost charged on the outstanding mortgage balance.
FHA financing generally includes an upfront mortgage insurance premium and an annual premium collected in monthly installments.
Property taxes vary based on the property, location, assessment and local taxing authorities.
Homeowners insurance protects the property and is separate from FHA mortgage insurance.
Condominiums, townhomes and planned communities may have required association dues that affect the monthly housing cost.
Two homes with the same purchase price can have meaningfully different monthly costs because property taxes, insurance and HOA dues can differ. That is why the affordability calculator works from the complete estimated housing payment—not the purchase price alone.
Payment amounts shown by the calculators on this page are planning estimates. Property taxes, homeowners insurance, HOA dues, interest rates and FHA mortgage insurance calculations can change the actual monthly housing expense.
Planning cash to close
FHA financing may allow a relatively small down payment, but buying a home can require additional funds for closing costs, prepaid expenses, initial escrow deposits, and other transaction items.
Your final cash to close is built from several pieces. Some add to what you need, while eligible credits, deposits or assistance may reduce the amount you ultimately bring to settlement.
The buyer's required investment toward the home's purchase price.
Lender, appraisal, title, settlement and other applicable transaction charges.
Items may include homeowners insurance, prepaid interest, taxes and initial escrow funding.
Seller credits, lender credits, earnest money and eligible assistance may reduce the amount due from the buyer.
For an eligible standard FHA purchase scenario, the minimum required investment may begin at 3.5% of the applicable adjusted value. The final requirement depends on the borrower and transaction.
FHA's upfront mortgage insurance premium may generally be financed into the mortgage. When financed, it increases the starting loan balance and principal-and-interest payment instead of simply being added to the minimum down payment.
Taxes, insurance, title charges, escrow funding, seller credits, lender credits, earnest money and assistance can all change the final number. As the property becomes specific, replace broad assumptions with transaction-specific figures.
The lowest possible cash-to-close figure is not always the strongest financial plan. Consider moving costs, immediate repairs, furnishings, maintenance, emergencies and how much cash you want available after buying the home.
General educational information only. Actual cash to close depends on the purchase contract, adjusted value, loan structure, verified funds, credits, deposits, prepaid expenses, escrow requirements, assistance programs, FHA requirements and applicable lender guidelines.
Rate & loan term
The purchase price is only one part of the equation. Interest rate changes the cost of borrowing, while loan term changes how quickly the balance is repaid. Both can materially change the monthly payment.
When the interest rate changes, the principal-and-interest payment changes even when the home price and down payment stay exactly the same. That can also change the purchase price that fits within a target monthly budget.
Spreading repayment over more months generally produces a lower required principal-and-interest payment than a shorter term using the same loan amount and rate.
A shorter repayment period generally requires a higher monthly principal-and-interest payment but pays the mortgage balance down more quickly.
When comparing scenarios in the FHA payment calculator, keep the other assumptions consistent. That makes it much easier to see whether the rate, term, down payment or property expenses are actually driving the difference.
Do not compare principal and interest alone. FHA mortgage insurance can also vary with loan term, loan-to-value and base loan amount, while property taxes, insurance and HOA dues remain part of the complete housing expense.
Return to FHA Payment Calculator ↑General educational information only. Interest rates and loan terms affect payment and total borrowing cost. Actual rates, pricing, qualification and loan terms depend on current market conditions, borrower and property information, FHA requirements, underwriting and applicable lender guidelines.
FHA mortgage insurance
FHA mortgage insurance has two parts: an upfront premium that affects the mortgage balance and an annual premium that is generally collected through the monthly payment. The calculators above estimate both automatically.
For a standard FHA purchase scenario, the upfront mortgage insurance premium is calculated from the base FHA loan amount. It may generally be financed into the mortgage or paid in cash.
1.75% of the base FHA loan amount for standard purchase financingFHA's annual premium is generally collected in monthly installments. The applicable rate depends on factors including the mortgage term, base loan amount and loan-to-value ratio.
0.15%–0.75% current annual MIP range for standard FHA forward mortgages, depending on the applicable tierThe payment and affordability calculators use the information entered to estimate the applicable FHA mortgage-insurance treatment automatically.
For many current FHA loans, annual MIP generally lasts 11 years when the original loan-to-value ratio is 90% or less and for the mortgage term when the original LTV is above 90%. The specific loan structure and applicable FHA rules determine the actual duration.
FHA mortgage-insurance information is based on current HUD guidance for standard FHA forward mortgages. Special programs and certain refinance transactions may use different premium rules. HUD mortgage insurance premium guidance .
Income, debts & DTI
Debt-to-income compares monthly obligations with gross qualifying income. Our affordability calculator uses two planning ranges so you can see the difference between a more conservative target and a higher-DTI scenario.
The affordability calculator compares both because either one can become the factor that limits the estimated housing payment.
We use this as the more conservative end of the affordability estimate. It leaves more of the buyer's gross monthly income outside the mortgage and recurring debt calculation.
This shows the additional purchasing power that may be useful when a buyer needs it and the full loan receives an acceptable automated underwriting result. It also means more monthly income is committed to housing and debt.
The calculator begins with monthly income before taxes, but the lender still has to determine what income can actually be used for qualification.
The more recurring debt included in the back-end ratio, the less of the total DTI allowance remains available for the new housing payment.
DTI is more useful when the housing payment includes the costs that will actually affect the monthly budget—not just principal and interest.
Suppose a buyer has $10,000 in gross monthly qualifying income. At a 46% total-DTI planning target, that represents $4,600 of total monthly debt capacity. If $750 is already committed to recurring debts, approximately $3,850 remains for the proposed housing expense before considering the separate housing-ratio limit. Reduce the monthly debt and more of that total-DTI capacity may become available for housing.
The 36% housing / 46% total DTI figures on this page are used as a conservative planning target. The 46% housing / 56% total DTI figures are used as a higher-DTI planning scenario and do not guarantee an automated underwriting approval or loan qualification. Final qualifying income, liabilities, debt ratios and loan eligibility are determined from the verified application and underwriting review.
FHA calculator questions
These calculators are designed to answer two different questions: what an FHA mortgage payment may look like and what purchase-price range may fit the income, debts and housing assumptions entered.
There is no single purchase price that applies to every FHA borrower. Income, recurring monthly debts, interest rate, down payment, property taxes, homeowners insurance, HOA dues, mortgage insurance and the applicable FHA loan limit can all affect the result.
The affordability calculator on this page shows a planning range rather than one maximum number. The lower end uses a 36% housing / 46% total-DTI planning target, while the upper end uses a 46% housing / 56% total-DTI higher-ratio scenario.
A useful FHA payment estimate includes principal, interest, FHA mortgage insurance, property taxes, homeowners insurance, and HOA dues when applicable. Looking only at principal and interest can understate the actual monthly housing expense.
Yes. The payment and affordability calculators estimate both FHA's upfront mortgage insurance premium and the applicable annual mortgage-insurance tier based on the loan information entered.
FHA mortgage insurance is separate from homeowners insurance. For a deeper explanation, see the FHA Mortgage Insurance Guide .
For an eligible standard FHA purchase scenario, the minimum required investment may begin at 3.5% of the applicable adjusted value. A larger down payment reduces the base mortgage and may change the payment, loan-to-value ratio and mortgage-insurance treatment.
Down payment is not the same as total cash to close. Closing costs, prepaid expenses, escrow deposits, credits and other transaction items also need to be considered. See FHA Credit Score & Down Payment for more detail.
The calculator first determines the housing payment supported by the 36% housing / 46% total-DTI planning target. It then calculates a second scenario using 46% housing / 56% total DTI.
The lower figure is intended as a more conservative planning point. The higher figure illustrates additional purchasing power that may be useful when needed and when the complete loan receives an acceptable automated underwriting result. The higher number is not intended to suggest that a buyer should automatically spend to that level.
Enter recurring monthly obligations you expect to be included in the mortgage debt-to-income analysis, but do not include the proposed housing payment because the calculator adds that separately.
Examples may include auto or installment payments, revolving credit obligations, student-loan obligations, support payments and other qualifying liabilities. The lender ultimately determines how each debt is calculated under the applicable requirements.
Yes. The calculators compare the planned base FHA loan amount with the applicable 2026 FHA limit for the Utah county and number of property units selected.
FHA limits apply to the base mortgage rather than simply to the home's purchase price. You can review the complete 2026 Utah FHA Loan Limits by county and property type.
Use a realistic planning rate for the scenario you are evaluating, and consider testing more than one rate. Mortgage rates change with market conditions, loan characteristics and lender pricing, so the number entered into a calculator is not a rate quote.
Changing only the rate while keeping the other inputs constant is a useful way to see how rate movement affects payment and buying power.
Generally, closing costs are part of the transaction's cash-to-close calculation rather than the recurring monthly mortgage payment. The monthly housing estimate focuses on principal, interest, FHA mortgage insurance, property taxes, homeowners insurance and applicable HOA dues.
Cash-to-close planning should separately account for down payment, borrower-paid closing costs, prepaid expenses, initial escrow deposits and eligible credits or assistance.
No. Calculator results are educational planning estimates based on the information entered. A pre-approval or loan approval requires review of the actual borrower and transaction, including qualifying income, liabilities, credit, assets, documentation, property details and underwriting.
When you are ready to move from estimates to verified numbers, review the FHA Pre-Approval Process in Utah .
The payment calculator starts with a home price and estimates the complete monthly housing expense. The affordability calculator starts with income and debts and works backward toward a potential purchase-price range. Using both gives you a more complete planning picture.
Replace broad assumptions with actual property taxes, insurance, HOA dues and current loan terms as you narrow the home search.
General educational information only. Calculator results are not a Loan Estimate, rate quote, qualification, pre-approval, approval, or commitment to lend. Actual FHA eligibility and payment depend on verified borrower information, property details, current FHA requirements, underwriting and applicable lender guidelines.
From estimate to actual scenario
The calculators can help you understand payment and potential buying range. The next step is to replace assumptions with your actual income, debts, credit, available funds and property details.
Review the numbers that matter: income, monthly debts, down payment and target payment.
Identify potential FHA issues early: credit, documentation, property or loan-limit questions.
Build a buying plan: understand the payment, expected cash needs and next steps before you make an offer.
Prefer to talk through the scenario first? You can call, text or email with your FHA questions.
This page provides general educational information and planning estimates only. It is not a Loan Estimate, rate quote, qualification, pre-approval, approval, or commitment to lend. Final loan eligibility and payment depend on verified borrower information, current rates, property details, appraisal, FHA requirements, automated underwriting, documentation, underwriting and applicable lender guidelines. FHA Loan Utah is not a government agency and is not affiliated with HUD or the U.S. Government.