What are todays FHA loan rates?

As of March 2026, FHA 30-year fixed rates start at 5.750% and FHA 15-year fixed rates start at 5.500%.

Are FHA rates lower than conventional?

Yes. FHA rates are typically 0.25-0.50% lower than conventional rates due to the FHA guaranty reducing lender risk.

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Looking for FHA loans? Visit our dedicated FHA site: fhahomeloans.services/fha-calculator/ →

QUICK ANSWER — Use the FHA calculator to estimate monthly payments. On a $435,000 Las Vegas home with 3.5% down at 5.750%, the estimated monthly payment is $2,636 including principal, interest, and MIP. FHA MIP is 0.55% annually plus 1.75% upfront (financeable).

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FHA Payment Calculator

Drag the sliders to see your estimated FHA payment in real time. Includes principal, interest, and mortgage insurance.

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Estimate Your FHA Payment

Home Price$435,000

Down Payment %3.5%

Interest Rate5.750%

Est. Monthly Payment

$2,636

P&I $2,444 + MIP $192/mo

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FAQ

Questions? Answered.

Add principal and interest (based on loan amount and rate), plus monthly MIP (0.55% of loan annually divided by 12), plus property taxes (about 1% of value annually), plus homeowner insurance (about $1,200/year in Las Vegas).

Principal, interest, FHA mortgage insurance premium (MIP), property taxes, and homeowner insurance. This is often called PITI. HOA dues are additional if applicable.

Annual MIP is 0.55% of the loan amount for most FHA loans. On a $420,000 loan, that is $2,310/year or $192/month. Plus a one-time upfront MIP of 1.75% ($7,350) that can be financed into the loan.

The calculator provides estimates based on current rates and standard assumptions. Your actual payment depends on your specific credit score, loan amount, property taxes, and insurance. Apply for a personalized quote for exact numbers.