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FHA Loan Calculator

County-specific FHA loan limits, MIP, 3.5% down — all 50 states.

FHA loans require just 3.5% down with credit scores 580+, but the maximum loan size varies dramatically by county — from the national floor ($524,225) to high-cost-area ceilings ($1,249,125 in places like Bergen County NJ, San Francisco CA, NYC). ValiFit's FHA calculator pulls the real 2026 HUD limit for any zip code, then computes monthly P&I, FHA MIP (1.75% upfront + 0.55% annual for most), property tax, and insurance.

Check FHA for a specific listing

Inputs

Home price
Zip code (for county FHA limit)
Credit score (≥580 = 3.5% down; 500–579 = 10%)
Property tax rate
Insurance estimate

Outputs

Eligible? (price ≤ county limit)
Required down payment
Loan amount
Upfront MIP (1.75%)
Annual MIP (0.55% / 0.85% based on LTV)
Total monthly PITI

Formula

Standard mortgage formula + FHA MIP: upfront = 1.75% × loan amount; annual = 0.55%–0.85% × loan amount, divided by 12.

Federal Sources

ValiFit pulls these federal sources directly. We do not invent rates, fees, or limits — they come from the source agency.

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ValiFit reports — does not penalize or promote. Methodology →