FHA Loan Calculator for Maryland - 2021

Maryland home buyers can easily estimate the monthly FHA mortgage payment with insurance, taxes and the monthly mortgage fee. Enter the sales price, Maryland County, interest rate, down payment percentage and the Maryland calculator will calculate the FHA mortgage amount and monthly loan payment. The Maryland calculator will also estimate the jumbo FHA loan amount for the high limit MD counties. FHA home loans are a great way to purchase a home. The down payment is only 3.5% and the home seller is permitted to pay a large percentage of the buyer's settlement costs. Learn more about FHA Home Loans. Last updated 1/2021

	Maryland FHA Loan & Funding Fee Calculator

	Maryland County
	Number of Living Units
1.	Sales Price
2.	Down Payment =
3.	Term
4.	FHA Maximum Mortgage Amount
5.	Base Mortgage Amount
6.	FHA Funding Fee (UFMIP) +
7.	Mortgage Amount (Final) =

	Monthly Mortgage Payment
8.	Principal & Interest
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%

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