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Home/FHA Mortgage Calculator Florida
FHA Mortgage Calculator Florida

FHA mortgage calculator for Florida

Estimate your full FHA monthly payment — principal, interest, mortgage insurance, taxes, and insurance — with our free Florida FHA calculator.

Includes FHA MIPTaxes & insuranceInstant estimateFlorida-specific

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No obligation. See your rate & payment in minutes.

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FHA Payment Estimator

FHA mortgage calculator for Florida

Estimate your monthly FHA payment in seconds. Adjust the sliders below for home price, down payment, rate, and term to see principal & interest, FHA mortgage insurance, and estimated taxes and insurance — the full picture of a Florida FHA payment.

Your loan details

Estimates only — get a quote for exact figures.

$350,000
3.5% · $12,250
6.50%
30 years
Estimated monthly payment
$2,460/mo
Principal & interest$2,135
FHA mortgage insurance (MIP)$155
Property tax (est.)$292
Home insurance (est.)$175
Loan amount (incl. upfront MIP)$346,500

Estimates use a 0.55% annual MIP, 1.75% upfront MIP financed into the loan, 1.0% property tax and 0.6% insurance. Actual figures vary. Not a loan offer.

What's included in the estimate

The calculator finances the 1.75% upfront FHA mortgage insurance into your loan, adds the annual MIP (about 0.55%/yr) to your monthly payment, and estimates Florida property taxes (~1% of price) and homeowners insurance (~0.6%). Your real numbers depend on your county, exact rate, and insurance quote — get a personalized quote for precise figures.

Questions & Answers

Frequently asked questions

How accurate is this FHA calculator?+
It gives a close estimate using typical FHA assumptions (1.75% upfront MIP financed, ~0.55% annual MIP, ~1% property tax, ~0.6% insurance). Your exact payment depends on your county, rate, and insurance quote.
Does the calculator include FHA mortgage insurance?+
Yes. It adds the upfront MIP into the loan and includes the monthly annual MIP in your estimated payment.
Are property taxes and insurance included?+
Yes, as estimates based on Florida averages. Actual amounts vary by county and property, and Florida insurance can vary widely.
What down payment should I enter?+
FHA's minimum is 3.5% with a 580+ score. You can model higher down payments to see how the payment changes.
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