Pennsylvania FHA Loan & Funding Fee Calculator

Calculate your FHA loan affordability in seconds with our Pennsylvania calculator. Get instant estimates for your monthly payment, funding fee, and total mortgage cost based on your down payment and interest rate.

Are you considering purchasing a home in Pennsylvania and wondering how much you can afford to borrow through an FHA loan? Our FHA Loan Calculator PA is here to help you estimate your monthly mortgage payments and determine the loan amount that fits your budget.

Pennsylvania County:

Number of Living Units:

Sales Price:

Down Payment (%):

Down Payment Amount:

Loan Term:

Base Loan Amount:

Upfront Mortgage Insurance (UFMIP) – 1.75%:

Final Mortgage Amount:

Monthly Mortgage Payment

Interest Rate (%):

Principal & Interest:

Annual Property Taxes:

Annual Homeowners Insurance:

Monthly Taxes:

Monthly Insurance:

Monthly MIP (FHA):

TOTAL MONTHLY PAYMENT:

Annual MIP (Mortgage Insurance Premium) Rates

Annual MIP is calculated monthly and added to your mortgage payment. Rates vary by loan amount, down payment, and loan term.

Loan Term	Loan Amount	Down Payment	Annual MIP Rate	Length of Payments
30-Year Loans
30 Years	≤ $726,200	10% or more	0.50%	11 years
30 Years	≤ $726,200	5% – 10%	0.50%	Entire loan
30 Years	≤ $726,200	Less than 5%	0.55%	Entire loan
30 Years	> $726,200	10% or more	0.70%	11 years
30 Years	> $726,200	5% – 10%	0.70%	Entire loan
30 Years	> $726,200	Less than 5%	0.75%	Entire loan
15-Year Loans
15 Years	≤ $726,200	10% or more	0.15%	11 years
15 Years	≤ $726,200	Less than 10%	0.40%	Entire loan
15 Years	> $726,200	22% or more	0.15%	11 years
15 Years	> $726,200	10% – 22%	0.40%	11 years
15 Years	> $726,200	Less than 10%	0.80%	Entire loan