Mortgage calculations are estimates for educational purposes, not loan approvals or lender quotes. FHA mortgage insurance rates and monthly premiums depend on loan characteristics and may change over time. Conventional PMI depends on the borrower and loan. VA funding fees depend on eligibility, down payment, benefit usage, and exemption status. This calculator assumes applicable FHA and VA upfront fees are financed. Actual cash required and monthly payments may differ. Always verify mortgage insurance, funding fees, closing costs, and loan terms with your lender.