Specialized Mortgage Co.


This calculator factors in MIP (Mortgage Insurance Premium) for loans where less than 20% is put as a down payment. Also taken into consideration are property taxes and home owners insurance.

For your reference, FHA requires 3.5% down payment, conventional 10% and USDA and VA are both 0% down. If your transaction is a refinance, enter "0" as your down payment.

Enter loan amount for a refinance
Enter "0" if this is a refinance
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Use our mortgage calculator to calculate your total payment including MIP, taxes and insurance.