FHA Loan Calculator 2026 Limits
Updated with 2026 FHA limits. Floor: $541,287. Ceiling: $1,249,125. Includes upfront and annual MIP.
FHA Loan Calculator
2026 FHA Loan Limits Quick Reference
| Limit Type | Amount |
|---|---|
| Floor (low-cost areas) | $541,287 |
| Ceiling (high-cost areas) | $1,249,125 |
| Minimum Down Payment | 3.5% |
| Upfront MIP | 1.75% |
| Annual MIP (most loans) | 0.55% |
About This Tool
Name: FHA Loan Calculator
Scene: Use when considering an FHA loan for a home purchase.
Method: Calculates FHA-specific costs including upfront MIP (1.75%) and annual MIP (0.55%).
Disclaimer: FHA limits vary by county. Check your local limit.