How much down payment for FHA loan calculator?

An FHA loan is a type of mortgage loan that is backed by the Federal Housing Administration. It’s an attractive option for many homebuyers because the requirements are less stringent than those of other mortgages. However, there are still certain guidelines that must be followed when it comes to the down payment amount. In this blog post, we will explore how much you need to put down on an FHA loan and provide helpful guidance on calculating your down payment with an FHA loan calculator.

How Much Do I Need to Put Down?

The most important factor for determining your down payment for an FHA loan is the size of the loan itself. For loans up to $625,500, the minimum acceptable amount is 3.5%. This means that if you’re looking at a $100,000 loan, the minimum acceptable down payment would be $3,500. For loans above $625,500 up to $729,750 in high-cost areas, the minimum acceptable amount increases to 5%. Above $729,750 and up to $1 million in high-cost areas, 10% should be put down as a deposit.

Using a Calculator

If you’re confused about how much money you need to put down on an FHA loan or just want more clarification on these percentages, a handy tool called an FHA Loan Calculator can help you figure out your exact numbers. When using this tool, all you have to do is enter some basic information such as the size of your loan and where it’s located, and then click “Calculate”—it’s that easy! The calculator will take care of all of the math for you and provide a breakdown of what your monthly payments would look like with different levels of interest rates and down payments.


An FHA loan can be a great way for potential homeowners who may not have enough money saved up for making large down payments or who don’t meet traditional lending standards to secure financing for their dream home. Knowing how much money needs to be put towards a down payment before applying for an FHA loan can give potential buyers peace of mind and make sure they aren’t being taken advantage of by lenders or brokers offering too-good-to-be-true deals with low-interest rates or large discounts on closing costs without explaining why those discounts are being offered in the first place. Using an FHA Loan Calculator makes this process even easier by quickly providing accurate calculations based on your individual criteria so that you can make informed decisions about which mortgage offers best suit your needs!

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