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m↗MITEYTHE AMERICAN MORTGAGE ATLASExplore my options ↗

AUSTIN RATE & HOLDING-PERIOD DESK

See the loan.
Make the charges explicit.

Use the upfront and recurring insurance figures supplied for the actual program scenario.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

41 tools. One connected workspace.

● Private calculations in your browser

Loan programs

FHA charge scenario

Model the financing effect of lender-supplied upfront and recurring mortgage-insurance charges.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Initial P&I plus modeled insurance$2,086
Upfront charge$0
Financed principal$330,000
Modeled recurring insurance total$0

Enter actual lender/program figures; defaults of zero are not a fee claim. Actual premium basis, eligibility, cancellation, limits and current program rules are not inferred.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: FHA charge scenario · Austin

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A SMALL CHANGE / A DIFFERENT VIEW

One percentage point higher

Initial P&I plus modeled insurance

Current scenario$2,086
Changed assumption$2,307

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Zero default insurance charges are placeholders, not current program rates.
  2. Financing an upfront charge increases principal and P&I. Paying it in cash increases initial cash needs.
  3. Recurring insurance is approximated on original base principal for the chosen duration; actual rules can differ.
A GOOD QUESTION

Does this determine FHA eligibility or current insurance rates?

No. Obtain the actual current figures and eligibility conditions from HUD and the lender. This workspace models the effect of numbers you enter.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Upfront charge is a user-entered percentage of base loan; optionally finance it. Recurring insurance uses original base balance for the selected duration.

Before acting on the result

Enter actual lender/program figures; defaults of zero are not a fee claim. Actual premium basis, eligibility, cancellation, limits and current program rules are not inferred.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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