FHA Loan
Minimum Down Payment Required
$0 (3.5%)
Upfront MIP (1.75%)
$0
Monthly Payment (P&I + MIP)
$0
Total Cost Over Ownership Period
$0
Conventional Loan
Minimum Down Payment Required
$0 (3-5%)
PMI Status
Required/Not Required
Monthly Payment (P&I + PMI if applicable)
$0
Total Cost Over Ownership Period
$0
How to Use FHA vs Conventional Loan Comparison Calculator
Input purchase price, down payment, and credit score information. Set interest rates for both loan types, then instantly compare total costs including MIP, PMI, and break-even analysis for your homeownership timeframe.