---
title: "FHA Loan Calculator"
method: GET
path: "/api/calc/fha-loan-calculator"
tags: ["Finance"]
---

# FHA Loan Calculator

`GET /api/calc/fha-loan-calculator`

## Request

- Base URL: `https://calcbright.com`
- URL: `https://calcbright.com/api/calc/fha-loan-calculator`
- Auth: none declared

FHA payments at 3.5% down include a 1.75% upfront MIP plus 0.50–0.55% a year. See the full monthly cost with tax and insurance beside a conventional loan.

## Query parameters

- `price` number: Home price
- `down` number: Down payment (%)
- `credit` '580' | '500': Credit score
- `rate` number: FHA interest rate (%)
- `term` '30' | '25' | '20' | '15': Loan term
- `tax` number: Property tax (/ year)
- `insurance` number: Homeowners insurance (/ year)
- `hoa` number: HOA fees (/ month)
- `convRate` number: Conventional interest rate (%)
- `pmiRate` number: Conventional PMI rate (% / year) Typically 0.3%–1.5% depending on credit score; drops off at 78% loan-to-value.

## Response `200`

Calculation result

- CalcOutput
  - `ok` boolean
  - `tool` string
  - `name` string
  - `url` string: Open this link to see the full calculation
  - `inputs` object
  - `summary` string: Plain-text answer
  - `details` string
  - `result` object
  - `errors` object

## Other responses

- `400`: Invalid input (see errors)

---

[API](https://skmtc.dev/calcbright/apis/calcbright-calculator-api.md) · [All operations](https://skmtc.dev/calcbright/apis/calcbright-calculator-api/llms.txt) · [OpenAPI document](https://skmtc.dev/calcbright/apis/calcbright-calculator-api/revisions/f58229e56e58?raw)