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FHA Loan Calculator for Texas - 2021

The Texas loan calculator will estimate the FHA loan amount for Texas counties, including the monthly FHA payment with taxes, insurance and mortgage insurance fee (sometimes called pmi). This mortgage calculator will also estimate Texas jumbo FHA loans. Learn more about FHA Home Loans. Last updated 1/2021

	Texas FHA Loan & Funding Fee Calculator
	Texas County			Anderson Andrews Angelina Aransas Archer Armstrong Atascosa Austin Bailey Bandera Bastrop Baylor Bee Bell Bexar Blanco Borden Bosque Bowie Brazoria Brazos Brewster Briscoe Brooks Brown Burleson Burnet Caldwell Calhoun Callahan Cameron Camp Carson Cass Castro Chambers Cherokee Childress Clay Cochran Coke Coleman Collin Collingsworth Colorado Comal Comanche Concho Cooke Coryell Cottle Crane Crockett Crosby Culberson Dallam Dallas Dawson DeafSmith Delta Denton Dewitt Dickens Dimmit Donley Duval Eastland Ector Edwards ElPaso Ellis Erath Falls Fannin Fayette Fisher Floyd Foard FortBend Franklin Freestone Frio Gaines Galveston Garza Gillespie Glasscock Goliad Gonzales Gray Grayson Gregg Grimes Guadalupe Hale Hall Hamilton Hansford Hardeman Hardin Harris Harrison Hartley Haskell Hays Hemphill Henderson Hidalgo Hill Hockley Hood Hopkins Houston Howard Hudspeth Hunt Hutchinson Irion Jack Jackson Jasper JeffDavis Jefferson JimHogg JimWells Johnson Jones Karnes Kaufman Kendall Kenedy Kent Kerr Kimble King Kinney Kleberg Knox LaSalle Lamar Lamb Lampasas Lavaca Lee Leon Liberty Limestone Lipscomb LiveOak Llano Loving Lubbock Lynn Madison Marion Martin Mason Matagorda Maverick Mcculloch Mclennan Mcmullen Medina Menard Midland Milam Mills Mitchell Montague Montgomery Moore Morris Motley Nacogdoches Navarro Newton Nolan Nueces Ochiltree Oldham Orange PaloPinto Panola Parker Parmer Pecos Polk Potter Presidio Rains Randall Reagan Real RedRiver Reeves Refugio Roberts Robertson Rockwall Runnels Rusk Sabine SanAugustine SanJacinto SanPatricio SanSaba Schleicher Scurry Shackelford Shelby Sherman Smith Somervell Starr Stephens Sterling Stonewall Sutton Swisher Tarrant Taylor Terrell Terry Throckmorton Titus TomGreen Travis Trinity Tyler Upshur Upton Uvalde ValVerde VanZandt Victoria Walker Waller Ward Washington Webb Wharton Wheeler Wichita Wilbarger Willacy Williamson Wilson Winkler Wise Wood Yoakum Young Zapata Zavala
	Number of Living Units			One-Family Two-Family Three-Family Four-Family
1.	Sales Price
2.	Down Payment =			3.50 Minimum 4.00 4.50 5.00 5.50 6.00 6.50 7.00 7.50 8.00 8.50 9.00 9.50 10.00 10.50 11.00 11.50 12.00 12.50 13.00 13.50 14.00 14.50 15.00 15.50 16.00 16.50 17.00 17.50 18.00 18.50 19.00 19.50 20.00 20.50 21.00 21.50 22.00 22.50 23.00 23.50 24.00 24.50 25.00 25.50 26.00 26.50 27.00 27.50 28.00 28.50 29.00 29.50 30.00 30.50 31.00 31.50 32.00 32.50 33.00 33.50 34.00 34.50 35.00 35.50 36.00 36.50 37.00 37.50 38.00 38.50 39.00 39.50 40.00 40.50 41.00 41.50 42.00 42.50 43.00 43.50 44.00 44.50 45.00 45.50 46.00 46.50 47.00 47.50 48.00 48.50 49.00 49.50 50.00
3.	Term			30-years 15-years
4.	FHA Maximum Mortgage Amount
5.	Base Mortgage Amount
6.	FHA Funding Fee (UFMIP) +
7.	Mortgage Amount (Final) =
	Monthly Mortgage Payment
8.	Principal & Interest		0.000 % 1.000 % 1.125 % 1.250 % 1.375 % 1.500 % 1.625 % 1.750 % 1.875 % 2.000 % 2.125 % 2.250 % 2.375 % 2.500 % 2.625 % 2.750 % 2.875 % 3.000 % 3.125 % 3.250 % 3.375 % 3.500 % 3.625 % 3.750 % 3.875 % 4.000 % 4.125 % 4.250 % 4.375 % 4.500 % 4.625 % 4.750 % 4.875 % 5.000 % 5.125 % 5.250 % 5.375 % 5.500 % 5.625 % 5.750 % 5.875 % 6.000 % 6.125 % 6.250 % 6.375 % 6.500 % 6.625 % 6.750 % 6.875 % 7.000 % 7.125 % 7.250 % 7.375 % 7.500 % 7.625 % 7.750 % 7.875 % 8.000 % 8.125 % 8.250 % 8.375 % 8.500 % 8.625 % 8.750 % 8.875 % 9.000 % 9.125 % 9.250 % 9.375 % 9.500 % 9.625 % 9.750 % 9.875 % 10.000 % 10.125 % 10.250 % 10.375 % 10.500 % 10.625 % 10.750 % 10.875 % 11.000 %
9.	Annual Real Estate Taxes
10.	Annual homeowner's insurance
11.	Other
12.	FHA MIP =
13.	MONTHLY MORTGAGE PAYMENT =
	Based on January 9, 2015 change
	Monthly Mortgage Insurance (MIP) Calculation
Loan Term greater than 15-years (i.e 30-years)
	Base Loan Amount	LTV	Effective	Annual MIP
	≤ $625,500	≤ 95.00%	1/26/2015	0.80%
	≤ $625,500	> 95.00%	1/26/2015	0.85%
	> $625,500	≤ 95.00%	1/26/2015	1.00%
	> $625,500	> 95.00%	1/26/2015	1.05%
Loan term less than or equal to 15-years with loan to value above 78%
	Base Loan Amount	LTV	Effective	Annual MIP
	Any loan amount	< 78.00%	6/3/2013	0.45%
	≤ $625,500	78.01% - 90.00%	4/1/2013	0.45%
	≤ $625,500	> 90.00%	4/1/2013	0.70%
	> $625,500	78.01% - 90.00%	4/1/2013	0.70%
	> $625,500	> 90.00%	4/1/2013	0.95%