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Your information is secure and will only be used to provide you with personalized loan options.

Todd Hanley Mortgage Team

Instant FHA Pre-Qual Calculator

FHA SFR or Duplex: Front-End 46.9% | Back-End 56.9%

Your DTI Limits: Front-End 46.9% | Back-End 56.9%

County-specific FHA loan limits for FL, TX & NJ (licensed states).

Select your state & county to see FHA loan limits
Enter your total monthly income
$96,000 annually
75% Qualified: $375
10.8%
Today's Market Rates
Loading rates...
$6,000 annually
$3,000 annually
Current MIP: 0.55% - $247/month
If LTV < 90%: 0.50% - $225/month (Save $22/month)
Car payments, credit cards, student loans, etc.
Front-End DTI: 0.0%
Housing Only
Limit: 46.9%
Back-End DTI: 0.0%
All Debt
Limit: 56.9%
Results = Estimates (Not an Offer) Pre-qualification amounts shown are estimates for educational purposes only and are not a loan approval, commitment, or rate lock. Payments shown are principal & interest (P&I) only and do not include taxes, homeowner's insurance, HOA/condo dues, flood insurance, or mortgage insurance (MI). FHA loan limits, rates, and qualifying ratios vary by county and are subject to change. Your actual pre-qualification depends on credit, income verification, and underwriting review.
Loan Amount:
$0
Monthly Taxes:
$0
Monthly P&I:
$0
Monthly MIP:
$0
Monthly Insurance:
$0
HOA Dues:
$0
Total Monthly Housing Payment:
$0
Your limit: $3,585 | WITHIN BUDGET
Todd Hanley

FHA Isn't Just for First-Time Buyers — It's for Smart Buyers

With 3.5% down and flexible credit guidelines, FHA is one of the most powerful loan programs available — and most buyers don't realize they can use up to 6% in seller concessions to cover closing costs. I walk every buyer through the real numbers so there are no surprises at the closing table.

— Todd Hanley, Senior Loan Officer | RICP, CMA

Schedule Your Free Strategy Session

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Duration30 minutes
WithTodd Hanley, RICP®

🔎 How This Calculator Works & Key Assumptions

This calculator provides estimates for educational purposes only. It is not a loan application, pre-approval, commitment to lend, or rate lock.

  • FHA loan limits vary by county and are updated annually by HUD. This calculator uses current published limits for your area.
  • Qualifying ratios use standard FHA guidelines (31% front-end, 43% back-end) but actual approval may allow higher ratios with compensating factors.
  • Mortgage insurance includes upfront MIP (1.75% financed) and annual MIP — both affect your total payment and loan amount.
  • Payments are P&I + MIP estimates only — actual payments include property taxes, homeowner's insurance, and possibly HOA dues.
  • Credit score ranges affect available interest rates and down payment requirements. Scores below 580 require 10% down.

This tool helps you understand what you may qualify for before speaking with a loan officer. Final pre-qualification requires income and credit verification.

Todd Hanley, RICP®, CMA™ | Senior Loan Officer | NMLS #1013665 | Todd Hanley Mortgage Team powered by United Direct Lending | NMLS #1013665 | 5550 Glades Rd, Suite 500, Boca Raton, FL 33431 | Licensed in FL, TX, NJ | Equal Housing Opportunity | Not a commitment to lend. Not all will qualify.