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FHA Loan Calculator for Pennsylvania - 2021

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

	Pennsylvania FHA Loan & Funding Fee Calculator
	Pennsylvania County			Adams Allegheny Armstrong Beaver Bedford Berks Blair Bradford Bucks Butler Cambria Cameron Carbon Centre Chester Clarion Clearfield Clinton Columbia Crawford Cumberland Dauphin Delaware Elk Erie Fayette Forest Franklin Fulton Greene Huntingdon Indiana Jefferson Juniata Lackawanna Lancaster Lawrence Lebanon Lehigh Luzerne Lycoming McKean Mercer Mifflin Monroe Montgomery Montour Northampton Northumberland Perry Philadelphia Pike Potter Schuylkill Snyder Somerset Sullivan Susquehanna Tioga Union Venango Warren Washington Wayne Westmoreland Wyoming York
	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%