FHA, VA, USDA & Conventional Mortgage Payment Calculators

What's My Payment? uses REAL mortgage loan program specifics, including FHA, VA, & USDA, to calculate estimated mortgage payments. No more wondering why the payment your lender quoted is different from other calculators found online.

Whether you're an experienced homebuyer or you're purchasing your first, overwhelmed might describe your current state. The tools on www.whatsmypayment.com were built specifically to ease your mind while home shopping.

FHA Loans

Calculating an FHA payment is tricky. It includes upfront mortgage insurance and an annual mortgage insurance premium that is paid monthly as part of your FHA payment. Our FHA loan calculator does the work for you. Shop with confidence knowing you're prepared for your monthly payment.

Many first-time homebuyers (experienced buyers, too) look to FHA for their home mortgage. The perks of FHA loans include lower down payment (only 3.5%) than traditional conventional loans, more lenient credit standards, and very competitive interest rates.

USDA Loans

If you meet USDA requirements, finding a better mortgage option than a USDA loan will prove a challenge. USDA loans require no down payment, carry competitive interest rates, and will often result in a lower mortgage payment than a comparable FHA loan.

There are income and property restrictions, but if your purchase qualifies, USDA loans are a great option. Check the USDA website for more eligibility requirements.

VA Loans

If you are a veteran or active service member, your VA home loan benefits permit you to purchase a new home without having to make a down payment. This is a considerable benefit that only our military and their spouses are afforded.

VA loans include a funding fee that impacts your monthly payment. Our VA loan calculator determines your funding fee and factors it into your VA loan amount, so the payment for which you are budgeting is accurate.

Mobile Availability

We work hard optimizing www.whatsmypayment.com for phones and tablets. We appreciate the use of our calculators while out shopping for your new home. Please email us any feedback or ideas you may have to make our site better.