FHA vs. Conventional Mortgage Calculator

The most important part of an accurate FHA vs. Conventional calculation is looking at the changes in the two loans over time. This calculator lets you compare an FHA loan vs. a conventional loan or a 30 year vs. a 15 year in just a few clicks.

All private mortgage insurance or FHA mortgage insurance premiums are simply estimates. These will vary based on the lender, mortgage insurer, and important details about you such as credit score and LTV.

For best results, get an accurate estimate from your lender or contact one of our advertisers for a quick quote.


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Common Comparisons

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Comparison Term (Years):
Property Value:
Scenario Name
Loan Type:
Loan Term (Years):
Loan Amount:
Interest Rate:
MI Factor:
Closing Costs ($):
Closing Costs (%):


Loan & Payment Summary
P&I Payment
Mortgage Insurance
Monthly Payment
Monthly Savings

Full Analysis through 10 Years

Real Cost Analysis
Total Loan Amount
Total Payments
Principal Payments
Remaining Balance
Interest & MI Payments
Total Cost
Total Savings


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Total SavingsTotal Payments
Total CostPrincipal Payments
Interest & MI PaymentsRemaining Balance