{"id":3083,"date":"2025-12-13T01:07:19","date_gmt":"2025-12-13T01:07:19","guid":{"rendered":"https:\/\/tools.mobozostore.shop\/2879-2\/?page_id=3083"},"modified":"2026-02-09T19:52:17","modified_gmt":"2026-02-09T19:52:17","slug":"premium-fha-loan-calculator","status":"publish","type":"page","link":"https:\/\/tools.mobozostore.shop\/2879-2\/premium-fha-loan-calculator\/","title":{"rendered":"Premium FHA Loan Calculator"},"content":{"rendered":"\r\n\r\n\r\n \r\n \r\n Premium FHA Loan Calculator | Advanced Mortgage Analysis<\/title>\r\n <link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700;800&family=Source+Sans+Pro:wght@300;400;600&display=swap\" rel=\"stylesheet\">\r\n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\r\n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/luxon@3.3.0\"><\/script>\r\n <style>\r\n :root {\r\n --primary: #2A5BD7;\r\n --primary-dark: #1E429F;\r\n --primary-light: #93C5FD;\r\n --secondary: #DC2626;\r\n --secondary-dark: #B91C1C;\r\n --success: #059669;\r\n --warning: #D97706;\r\n --info: #0891B2;\r\n --danger: #DC2626;\r\n --dark: #1F2937;\r\n --dark-gray: #4B5563;\r\n --gray: #6B7280;\r\n --light-gray: #D1D5DB;\r\n --lighter-gray: #F3F4F6;\r\n --white: #FFFFFF;\r\n --gradient-primary: linear-gradient(135deg, #3B82F6 0%, #1D4ED8 100%);\r\n --gradient-secondary: linear-gradient(135deg, #EF4444 0%, #B91C1C 100%);\r\n --gradient-success: linear-gradient(135deg, #10B981 0%, #059669 100%);\r\n --box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);\r\n --box-shadow-hover: 0 8px 24px rgba(0, 0, 0, 0.12);\r\n --border-radius: 12px;\r\n --border-radius-sm: 8px;\r\n --transition: all 0.2s ease;\r\n }\r\n\r\n * {\r\n margin: 0;\r\n padding: 0;\r\n box-sizing: border-box;\r\n }\r\n\r\n body {\r\n font-family: 'Inter', sans-serif;\r\n background-color: #F9FAFB;\r\n color: var(--dark);\r\n line-height: 1.5;\r\n min-height: 100vh;\r\n padding: 16px;\r\n }\r\n\r\n .container {\r\n max-width: 1600px;\r\n margin: 0 auto;\r\n }\r\n\r\n \/* Header *\/\r\n .header {\r\n background: var(--white);\r\n border-radius: var(--border-radius);\r\n padding: 24px 32px;\r\n margin-bottom: 24px;\r\n box-shadow: var(--box-shadow);\r\n border-left: 6px solid var(--primary);\r\n }\r\n\r\n .header-content h1 {\r\n font-size: 2.2rem;\r\n font-weight: 800;\r\n color: var(--primary);\r\n margin-bottom: 8px;\r\n display: flex;\r\n align-items: center;\r\n gap: 12px;\r\n }\r\n\r\n .header-content h1 i {\r\n color: var(--primary);\r\n background: rgba(42, 91, 215, 0.1);\r\n padding: 12px;\r\n border-radius: 10px;\r\n font-size: 1.8rem;\r\n }\r\n\r\n .header-content p {\r\n font-size: 1rem;\r\n color: var(--gray);\r\n max-width: 700px;\r\n font-family: 'Source Sans Pro', sans-serif;\r\n }\r\n\r\n .header-badges {\r\n display: flex;\r\n gap: 12px;\r\n margin-top: 16px;\r\n flex-wrap: wrap;\r\n }\r\n\r\n .badge {\r\n padding: 8px 16px;\r\n border-radius: 50px;\r\n font-weight: 600;\r\n font-size: 0.85rem;\r\n display: inline-flex;\r\n align-items: center;\r\n gap: 6px;\r\n }\r\n\r\n .badge-premium {\r\n background: var(--gradient-primary);\r\n color: white;\r\n }\r\n\r\n .badge-updated {\r\n background-color: var(--lighter-gray);\r\n color: var(--dark-gray);\r\n border: 1px solid var(--light-gray);\r\n }\r\n\r\n \/* Main Layout *\/\r\n .main-layout {\r\n display: grid;\r\n grid-template-columns: 1.1fr 1.4fr;\r\n gap: 24px;\r\n margin-bottom: 32px;\r\n }\r\n\r\n @media (max-width: 1300px) {\r\n .main-layout {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n \/* Input Section *\/\r\n .input-section {\r\n background: var(--white);\r\n border-radius: var(--border-radius);\r\n box-shadow: var(--box-shadow);\r\n padding: 28px;\r\n transition: var(--transition);\r\n }\r\n\r\n .section-title {\r\n font-size: 1.5rem;\r\n font-weight: 700;\r\n color: var(--dark);\r\n margin-bottom: 24px;\r\n display: flex;\r\n align-items: center;\r\n gap: 10px;\r\n padding-bottom: 12px;\r\n border-bottom: 2px solid var(--lighter-gray);\r\n }\r\n\r\n .section-title i {\r\n color: var(--primary);\r\n font-size: 1.3rem;\r\n width: 36px;\r\n height: 36px;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n background: rgba(42, 91, 215, 0.1);\r\n border-radius: 8px;\r\n }\r\n\r\n .input-group {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));\r\n gap: 20px;\r\n margin-bottom: 24px;\r\n }\r\n\r\n .input-container {\r\n position: relative;\r\n }\r\n\r\n .input-label {\r\n display: block;\r\n margin-bottom: 8px;\r\n font-weight: 600;\r\n color: var(--dark);\r\n font-size: 0.95rem;\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n }\r\n\r\n .input-label .value-display {\r\n font-weight: 500;\r\n color: var(--primary);\r\n font-size: 0.9rem;\r\n background: rgba(42, 91, 215, 0.1);\r\n padding: 2px 8px;\r\n border-radius: 4px;\r\n }\r\n\r\n .input-wrapper {\r\n position: relative;\r\n display: flex;\r\n align-items: center;\r\n }\r\n\r\n .input-icon {\r\n position: absolute;\r\n left: 14px;\r\n color: var(--primary);\r\n font-size: 1.1rem;\r\n z-index: 1;\r\n width: 20px;\r\n text-align: center;\r\n }\r\n\r\n .input-field {\r\n width: 100%;\r\n padding: 14px 16px 14px 44px;\r\n border: 2px solid var(--light-gray);\r\n border-radius: var(--border-radius-sm);\r\n font-size: 1rem;\r\n font-weight: 500;\r\n color: var(--dark);\r\n transition: var(--transition);\r\n background: var(--white);\r\n font-family: 'Inter', sans-serif;\r\n }\r\n\r\n .input-field:focus {\r\n outline: none;\r\n border-color: var(--primary);\r\n box-shadow: 0 0 0 3px rgba(42, 91, 215, 0.15);\r\n }\r\n\r\n .range-slider-container {\r\n margin-top: 12px;\r\n padding: 0 4px;\r\n }\r\n\r\n .range-slider {\r\n width: 100%;\r\n height: 6px;\r\n -webkit-appearance: none;\r\n background: var(--light-gray);\r\n border-radius: 3px;\r\n outline: none;\r\n }\r\n\r\n .range-slider::-webkit-slider-thumb {\r\n -webkit-appearance: none;\r\n width: 20px;\r\n height: 20px;\r\n background: var(--white);\r\n border: 3px solid var(--primary);\r\n border-radius: 50%;\r\n cursor: pointer;\r\n transition: var(--transition);\r\n box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);\r\n }\r\n\r\n .range-slider::-webkit-slider-thumb:hover {\r\n transform: scale(1.1);\r\n border-color: var(--primary-dark);\r\n }\r\n\r\n \/* Toggle Section *\/\r\n .toggle-section {\r\n margin-top: 24px;\r\n border-top: 1px solid var(--lighter-gray);\r\n padding-top: 20px;\r\n }\r\n\r\n .toggle-header {\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n cursor: pointer;\r\n padding: 12px 16px;\r\n background: var(--lighter-gray);\r\n border-radius: var(--border-radius-sm);\r\n transition: var(--transition);\r\n }\r\n\r\n .toggle-header:hover {\r\n background: var(--light-gray);\r\n }\r\n\r\n .toggle-header h3 {\r\n font-size: 1.1rem;\r\n font-weight: 600;\r\n color: var(--dark);\r\n display: flex;\r\n align-items: center;\r\n gap: 8px;\r\n }\r\n\r\n .toggle-header i {\r\n color: var(--primary);\r\n font-size: 1rem;\r\n }\r\n\r\n .toggle-icon {\r\n transition: var(--transition);\r\n color: var(--gray);\r\n }\r\n\r\n .toggle-content {\r\n max-height: 0;\r\n overflow: hidden;\r\n transition: max-height 0.3s ease;\r\n }\r\n\r\n .toggle-content.expanded {\r\n max-height: 1000px;\r\n margin-top: 20px;\r\n }\r\n\r\n \/* Buttons *\/\r\n .action-buttons {\r\n display: grid;\r\n grid-template-columns: repeat(3, 1fr);\r\n gap: 12px;\r\n margin-top: 28px;\r\n }\r\n\r\n @media (max-width: 768px) {\r\n .action-buttons {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n .btn {\r\n padding: 14px 20px;\r\n border: none;\r\n border-radius: var(--border-radius-sm);\r\n font-weight: 600;\r\n font-size: 0.95rem;\r\n cursor: pointer;\r\n transition: var(--transition);\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n gap: 8px;\r\n font-family: 'Inter', sans-serif;\r\n }\r\n\r\n .btn-primary {\r\n background: var(--gradient-primary);\r\n color: white;\r\n }\r\n\r\n .btn-primary:hover {\r\n transform: translateY(-2px);\r\n box-shadow: 0 6px 20px rgba(42, 91, 215, 0.25);\r\n }\r\n\r\n .btn-secondary {\r\n background: var(--white);\r\n color: var(--dark);\r\n border: 2px solid var(--light-gray);\r\n }\r\n\r\n .btn-secondary:hover {\r\n background: var(--lighter-gray);\r\n border-color: var(--gray);\r\n }\r\n\r\n .btn-success {\r\n background: var(--gradient-success);\r\n color: white;\r\n }\r\n\r\n .btn-success:hover {\r\n transform: translateY(-2px);\r\n box-shadow: 0 6px 20px rgba(16, 185, 129, 0.25);\r\n }\r\n\r\n \/* Results Section *\/\r\n .results-section {\r\n display: grid;\r\n gap: 24px;\r\n }\r\n\r\n .payment-card {\r\n background: var(--white);\r\n border-radius: var(--border-radius);\r\n box-shadow: var(--box-shadow);\r\n padding: 32px;\r\n text-align: center;\r\n position: relative;\r\n border: 1px solid var(--light-gray);\r\n }\r\n\r\n .payment-card::before {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: 0;\r\n right: 0;\r\n height: 4px;\r\n background: var(--gradient-primary);\r\n border-radius: var(--border-radius) var(--border-radius) 0 0;\r\n }\r\n\r\n .payment-label {\r\n font-size: 1.1rem;\r\n color: var(--gray);\r\n margin-bottom: 8px;\r\n font-weight: 500;\r\n }\r\n\r\n .payment-amount {\r\n font-size: 3rem;\r\n font-weight: 800;\r\n color: var(--dark);\r\n margin: 12px 0;\r\n line-height: 1;\r\n }\r\n\r\n .payment-subtitle {\r\n color: var(--gray);\r\n font-size: 0.95rem;\r\n margin-top: 8px;\r\n }\r\n\r\n \/* Stats Grid *\/\r\n .stats-grid {\r\n display: grid;\r\n grid-template-columns: repeat(4, 1fr);\r\n gap: 16px;\r\n }\r\n\r\n @media (max-width: 1200px) {\r\n .stats-grid {\r\n grid-template-columns: repeat(2, 1fr);\r\n }\r\n }\r\n\r\n @media (max-width: 768px) {\r\n .stats-grid {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n .stat-card {\r\n background: var(--white);\r\n border-radius: var(--border-radius-sm);\r\n padding: 20px;\r\n box-shadow: var(--box-shadow);\r\n transition: var(--transition);\r\n border-left: 4px solid var(--primary);\r\n }\r\n\r\n .stat-card:hover {\r\n transform: translateY(-3px);\r\n box-shadow: var(--box-shadow-hover);\r\n }\r\n\r\n .stat-card:nth-child(2) {\r\n border-left-color: var(--secondary);\r\n }\r\n\r\n .stat-card:nth-child(3) {\r\n border-left-color: var(--success);\r\n }\r\n\r\n .stat-card:nth-child(4) {\r\n border-left-color: var(--warning);\r\n }\r\n\r\n .stat-title {\r\n font-size: 0.9rem;\r\n color: var(--gray);\r\n margin-bottom: 8px;\r\n font-weight: 500;\r\n display: flex;\r\n align-items: center;\r\n gap: 6px;\r\n }\r\n\r\n .stat-title i {\r\n font-size: 0.9rem;\r\n color: var(--dark-gray);\r\n }\r\n\r\n .stat-value {\r\n font-size: 1.8rem;\r\n font-weight: 700;\r\n color: var(--dark);\r\n margin-bottom: 4px;\r\n }\r\n\r\n .stat-note {\r\n font-size: 0.85rem;\r\n color: var(--gray);\r\n }\r\n\r\n \/* Charts Container *\/\r\n .charts-container {\r\n display: grid;\r\n grid-template-columns: 1fr 1fr;\r\n gap: 24px;\r\n }\r\n\r\n @media (max-width: 1100px) {\r\n .charts-container {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n .chart-card {\r\n background: var(--white);\r\n border-radius: var(--border-radius);\r\n box-shadow: var(--box-shadow);\r\n padding: 24px;\r\n transition: var(--transition);\r\n }\r\n\r\n .chart-header {\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n margin-bottom: 20px;\r\n }\r\n\r\n .chart-title {\r\n font-size: 1.2rem;\r\n font-weight: 700;\r\n color: var(--dark);\r\n display: flex;\r\n align-items: center;\r\n gap: 8px;\r\n }\r\n\r\n .chart-title i {\r\n color: var(--primary);\r\n font-size: 1.1rem;\r\n }\r\n\r\n .chart-container {\r\n height: 280px;\r\n position: relative;\r\n }\r\n\r\n \/* Tabs *\/\r\n .tabs-container {\r\n background: var(--white);\r\n border-radius: var(--border-radius);\r\n box-shadow: var(--box-shadow);\r\n overflow: hidden;\r\n }\r\n\r\n .tabs-header {\r\n display: flex;\r\n background: var(--lighter-gray);\r\n border-bottom: 1px solid var(--light-gray);\r\n }\r\n\r\n .tab {\r\n flex: 1;\r\n padding: 16px;\r\n text-align: center;\r\n font-weight: 600;\r\n color: var(--gray);\r\n cursor: pointer;\r\n transition: var(--transition);\r\n border-bottom: 3px solid transparent;\r\n font-size: 0.95rem;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n gap: 8px;\r\n }\r\n\r\n .tab i {\r\n font-size: 1rem;\r\n }\r\n\r\n .tab:hover {\r\n background: var(--light-gray);\r\n }\r\n\r\n .tab.active {\r\n color: var(--primary);\r\n border-bottom-color: var(--primary);\r\n background: var(--white);\r\n }\r\n\r\n .tab-content {\r\n display: none;\r\n padding: 24px;\r\n }\r\n\r\n .tab-content.active {\r\n display: block;\r\n animation: fadeIn 0.3s ease;\r\n }\r\n\r\n @keyframes fadeIn {\r\n from { opacity: 0; }\r\n to { opacity: 1; }\r\n }\r\n\r\n \/* Amortization Table *\/\r\n .amortization-table-container {\r\n max-height: 360px;\r\n overflow-y: auto;\r\n border-radius: var(--border-radius-sm);\r\n border: 1px solid var(--light-gray);\r\n }\r\n\r\n .amortization-table {\r\n width: 100%;\r\n border-collapse: collapse;\r\n min-width: 700px;\r\n font-size: 0.9rem;\r\n }\r\n\r\n .amortization-table thead {\r\n position: sticky;\r\n top: 0;\r\n background: var(--primary);\r\n color: white;\r\n }\r\n\r\n .amortization-table th {\r\n padding: 14px 16px;\r\n text-align: left;\r\n font-weight: 600;\r\n font-size: 0.9rem;\r\n }\r\n\r\n .amortization-table td {\r\n padding: 12px 16px;\r\n border-bottom: 1px solid var(--light-gray);\r\n color: var(--dark-gray);\r\n }\r\n\r\n .amortization-table tbody tr:hover {\r\n background: var(--lighter-gray);\r\n }\r\n\r\n .amortization-table tbody tr:nth-child(even) {\r\n background: rgba(0, 0, 0, 0.02);\r\n }\r\n\r\n \/* Comparison Section *\/\r\n .comparison-section {\r\n background: var(--white);\r\n border-radius: var(--border-radius);\r\n box-shadow: var(--box-shadow);\r\n padding: 28px;\r\n margin-top: 32px;\r\n }\r\n\r\n .comparison-grid {\r\n display: grid;\r\n grid-template-columns: repeat(3, 1fr);\r\n gap: 20px;\r\n margin-top: 20px;\r\n }\r\n\r\n @media (max-width: 1200px) {\r\n .comparison-grid {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n .comparison-card {\r\n padding: 20px;\r\n border-radius: var(--border-radius-sm);\r\n border: 2px solid var(--light-gray);\r\n transition: var(--transition);\r\n }\r\n\r\n .comparison-card:hover {\r\n border-color: var(--primary);\r\n transform: translateY(-3px);\r\n }\r\n\r\n .comparison-card.recommended {\r\n border-color: var(--success);\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .comparison-card.recommended::before {\r\n content: 'RECOMMENDED';\r\n position: absolute;\r\n top: 12px;\r\n right: -32px;\r\n background: var(--success);\r\n color: white;\r\n padding: 4px 32px;\r\n font-size: 0.75rem;\r\n font-weight: 700;\r\n transform: rotate(45deg);\r\n }\r\n\r\n .comparison-title {\r\n font-size: 1.2rem;\r\n font-weight: 700;\r\n color: var(--dark);\r\n margin-bottom: 12px;\r\n display: flex;\r\n align-items: center;\r\n gap: 8px;\r\n }\r\n\r\n .comparison-title i {\r\n font-size: 1.1rem;\r\n }\r\n\r\n .comparison-rate {\r\n font-size: 2.2rem;\r\n font-weight: 800;\r\n color: var(--dark);\r\n margin: 12px 0;\r\n }\r\n\r\n .comparison-details {\r\n list-style: none;\r\n margin-top: 16px;\r\n }\r\n\r\n .comparison-details li {\r\n padding: 8px 0;\r\n border-bottom: 1px solid var(--light-gray);\r\n display: flex;\r\n justify-content: space-between;\r\n font-size: 0.9rem;\r\n }\r\n\r\n .comparison-details li:last-child {\r\n border-bottom: none;\r\n }\r\n\r\n \/* Tooltips *\/\r\n .tooltip {\r\n position: relative;\r\n display: inline-block;\r\n cursor: help;\r\n margin-left: 4px;\r\n }\r\n\r\n .tooltip i {\r\n color: var(--gray);\r\n font-size: 0.9rem;\r\n }\r\n\r\n .tooltip .tooltip-text {\r\n visibility: hidden;\r\n width: 220px;\r\n background-color: var(--dark);\r\n color: white;\r\n text-align: left;\r\n border-radius: var(--border-radius-sm);\r\n padding: 10px;\r\n position: absolute;\r\n z-index: 1000;\r\n bottom: 125%;\r\n left: 50%;\r\n transform: translateX(-50%);\r\n opacity: 0;\r\n transition: opacity 0.2s;\r\n font-size: 0.85rem;\r\n font-weight: 400;\r\n box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);\r\n line-height: 1.4;\r\n }\r\n\r\n .tooltip .tooltip-text::after {\r\n content: \"\";\r\n position: absolute;\r\n top: 100%;\r\n left: 50%;\r\n margin-left: -5px;\r\n border-width: 5px;\r\n border-style: solid;\r\n border-color: var(--dark) transparent transparent transparent;\r\n }\r\n\r\n .tooltip:hover .tooltip-text {\r\n visibility: visible;\r\n opacity: 1;\r\n }\r\n\r\n \/* Progress Bar *\/\r\n .progress-container {\r\n margin: 20px 0;\r\n }\r\n\r\n .progress-bar {\r\n height: 8px;\r\n background: var(--light-gray);\r\n border-radius: 4px;\r\n overflow: hidden;\r\n margin: 8px 0;\r\n }\r\n\r\n .progress-fill {\r\n height: 100%;\r\n background: var(--gradient-primary);\r\n border-radius: 4px;\r\n transition: width 0.5s ease;\r\n }\r\n\r\n .progress-labels {\r\n display: flex;\r\n justify-content: space-between;\r\n font-size: 0.85rem;\r\n color: var(--gray);\r\n }\r\n\r\n \/* Footer *\/\r\n .footer {\r\n text-align: center;\r\n margin-top: 40px;\r\n padding: 24px;\r\n color: var(--gray);\r\n font-size: 0.9rem;\r\n border-top: 1px solid var(--light-gray);\r\n }\r\n\r\n .footer-links {\r\n display: flex;\r\n justify-content: center;\r\n gap: 24px;\r\n margin-top: 16px;\r\n flex-wrap: wrap;\r\n }\r\n\r\n .footer-link {\r\n color: var(--primary);\r\n text-decoration: none;\r\n font-weight: 500;\r\n transition: var(--transition);\r\n font-size: 0.9rem;\r\n }\r\n\r\n .footer-link:hover {\r\n color: var(--primary-dark);\r\n text-decoration: underline;\r\n }\r\n\r\n \/* Responsive *\/\r\n @media (max-width: 768px) {\r\n .header {\r\n padding: 20px;\r\n }\r\n \r\n .header-content h1 {\r\n font-size: 1.8rem;\r\n }\r\n \r\n .input-section, .payment-card, .chart-card, .comparison-section {\r\n padding: 20px;\r\n }\r\n \r\n .payment-amount {\r\n font-size: 2.5rem;\r\n }\r\n \r\n .main-layout {\r\n gap: 16px;\r\n }\r\n \r\n .input-group {\r\n grid-template-columns: 1fr;\r\n }\r\n \r\n .tabs-header {\r\n flex-direction: column;\r\n }\r\n \r\n .tab {\r\n padding: 12px;\r\n }\r\n }\r\n\r\n \/* Clear visibility for all elements *\/\r\n * {\r\n -webkit-font-smoothing: antialiased;\r\n -moz-osx-font-smoothing: grayscale;\r\n }\r\n\r\n .input-field, .btn, .tab, .stat-card, .comparison-card {\r\n -webkit-font-smoothing: auto;\r\n }\r\n\r\n \/* Ensure icons are clear *\/\r\n i {\r\n text-rendering: optimizeLegibility;\r\n }\r\n\r\n \/* Improve contrast for better readability *\/\r\n .input-label, .stat-title, .payment-label {\r\n color: #374151;\r\n }\r\n\r\n .input-field, .stat-value, .payment-amount {\r\n color: #111827;\r\n }\r\n\r\n \/* Clear borders *\/\r\n .input-field, .btn, .stat-card, .comparison-card {\r\n border: 2px solid;\r\n }\r\n\r\n .input-field {\r\n border-color: #D1D5DB;\r\n }\r\n\r\n .btn-secondary {\r\n border-color: #D1D5DB;\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <div class=\"container\">\r\n <!-- Header -->\r\n <header class=\"header\">\r\n <div class=\"header-content\">\r\n <h1><i class=\"fas fa-calculator\"><\/i> Premium FHA Loan Calculator<\/h1>\r\n <p>Advanced mortgage analysis with clear, real-time calculations, amortization schedules, and loan comparison tools.<\/p>\r\n <div class=\"header-badges\">\r\n <div class=\"badge badge-premium\">\r\n <i class=\"fas fa-crown\"><\/i> PREMIUM EDITION\r\n <\/div>\r\n <div class=\"badge badge-updated\">\r\n <i class=\"fas fa-sync-alt\"><\/i> UPDATED 2025\r\n <\/div>\r\n <div class=\"badge badge-updated\">\r\n <i class=\"fas fa-eye\"><\/i> HIGH VISIBILITY\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/header>\r\n\r\n <!-- Main Layout -->\r\n <div class=\"main-layout\">\r\n <!-- Input Section -->\r\n <section class=\"input-section\">\r\n <h2 class=\"section-title\">\r\n <i class=\"fas fa-edit\"><\/i> Loan Parameters\r\n <\/h2>\r\n \r\n <div class=\"input-group\">\r\n <!-- Home Price -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Home Price\r\n <span class=\"value-display\" id=\"homePriceValue\">$500,000<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-home input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"homePrice\" value=\"500000\" min=\"50000\" max=\"5000000\" step=\"1000\">\r\n <\/div>\r\n <div class=\"range-slider-container\">\r\n <input type=\"range\" class=\"range-slider\" id=\"homePriceRange\" min=\"50000\" max=\"5000000\" value=\"500000\" step=\"1000\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Down Payment -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Down Payment\r\n <span class=\"value-display\" id=\"downPaymentPercent\">3.5%<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-percentage input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"downPayment\" value=\"3.5\" min=\"3.5\" max=\"50\" step=\"0.1\">\r\n <\/div>\r\n <div class=\"range-slider-container\">\r\n <input type=\"range\" class=\"range-slider\" id=\"downPaymentRange\" min=\"3.5\" max=\"50\" value=\"3.5\" step=\"0.1\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Loan Term -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Loan Term\r\n <span class=\"value-display\" id=\"loanTermValue\">30 years<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-calendar-alt input-icon\"><\/i>\r\n <select class=\"input-field\" id=\"loanTerm\">\r\n <option value=\"10\">10 years<\/option>\r\n <option value=\"15\">15 years<\/option>\r\n <option value=\"20\">20 years<\/option>\r\n <option value=\"30\" selected>30 years<\/option>\r\n <\/select>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Interest Rate -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Interest Rate\r\n <span class=\"value-display\" id=\"interestRateValue\">6.225%<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-chart-line input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"interestRate\" value=\"6.225\" min=\"0.1\" max=\"20\" step=\"0.001\">\r\n <\/div>\r\n <div class=\"range-slider-container\">\r\n <input type=\"range\" class=\"range-slider\" id=\"interestRateRange\" min=\"1\" max=\"12\" value=\"6.225\" step=\"0.1\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Credit Score -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Credit Score\r\n <span class=\"value-display\" id=\"creditScoreValue\">680<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-credit-card input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"creditScore\" value=\"680\" min=\"300\" max=\"850\" step=\"10\">\r\n <\/div>\r\n <div class=\"range-slider-container\">\r\n <input type=\"range\" class=\"range-slider\" id=\"creditScoreRange\" min=\"300\" max=\"850\" value=\"680\" step=\"10\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Property Tax -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Property Tax Rate\r\n <span class=\"value-display\" id=\"propertyTaxValue\">1.2%<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-landmark input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"propertyTax\" value=\"1.2\" min=\"0\" max=\"10\" step=\"0.1\">\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Advanced Options -->\r\n <div class=\"toggle-section\">\r\n <div class=\"toggle-header\" id=\"toggleOptions\">\r\n <h3><i class=\"fas fa-sliders-h\"><\/i> Advanced Options<\/h3>\r\n <i class=\"fas fa-chevron-down toggle-icon\" id=\"toggleIcon\"><\/i>\r\n <\/div>\r\n <div class=\"toggle-content\" id=\"advancedOptions\">\r\n <div class=\"input-group\" style=\"margin-top: 20px;\">\r\n <!-- Upfront MIP -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Upfront FHA MIP\r\n <span class=\"tooltip\">\r\n <i class=\"fas fa-question-circle\"><\/i>\r\n <span class=\"tooltip-text\">Mortgage Insurance Premium paid upfront, typically 1.75% of loan amount<\/span>\r\n <\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-file-invoice-dollar input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"upfrontMIP\" value=\"1.75\" min=\"0\" max=\"5\" step=\"0.05\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Annual MIP -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Annual FHA MIP\r\n <span class=\"tooltip\">\r\n <i class=\"fas fa-question-circle\"><\/i>\r\n <span class=\"tooltip-text\">Annual Mortgage Insurance Premium paid monthly<\/span>\r\n <\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-calendar-check input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"annualMIP\" value=\"0.55\" min=\"0\" max=\"2\" step=\"0.05\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Home Insurance -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Home Insurance\r\n <span class=\"value-display\" id=\"homeInsuranceValue\">$2,500\/year<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-shield-alt input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"homeInsurance\" value=\"2500\" min=\"0\" step=\"100\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- HOA Fee -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n HOA Fee\r\n <span class=\"value-display\" id=\"hoaFeeValue\">$0\/year<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-building input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"hoaFee\" value=\"0\" min=\"0\" step=\"100\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Extra Payment -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Extra Monthly Payment\r\n <span class=\"value-display\" id=\"extraPaymentValue\">$0\/month<\/span>\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-rocket input-icon\"><\/i>\r\n <input type=\"number\" class=\"input-field\" id=\"extraPayment\" value=\"0\" min=\"0\" step=\"10\">\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Start Date -->\r\n <div class=\"input-container\">\r\n <label class=\"input-label\">\r\n Loan Start Date\r\n <\/label>\r\n <div class=\"input-wrapper\">\r\n <i class=\"fas fa-calendar input-icon\"><\/i>\r\n <input type=\"month\" class=\"input-field\" id=\"startDate\" value=\"2025-12\">\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Action Buttons -->\r\n <div class=\"action-buttons\">\r\n <button class=\"btn btn-primary\" id=\"calculateBtn\">\r\n <i class=\"fas fa-calculator\"><\/i> Calculate\r\n <\/button>\r\n <button class=\"btn btn-secondary\" id=\"compareBtn\">\r\n <i class=\"fas fa-balance-scale\"><\/i> Compare\r\n <\/button>\r\n <button class=\"btn btn-success\" id=\"saveBtn\">\r\n <i class=\"fas fa-download\"><\/i> Export\r\n <\/button>\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- Results Section -->\r\n <section class=\"results-section\">\r\n <!-- Monthly Payment Card -->\r\n <div class=\"payment-card\">\r\n <div class=\"payment-label\">ESTIMATED MONTHLY PAYMENT<\/div>\r\n <div class=\"payment-amount\" id=\"monthlyPayment\">$3,016.73<\/div>\r\n <div class=\"payment-subtitle\">Principal & Interest + Taxes + Insurance + FHA MIP<\/div>\r\n \r\n <!-- Affordability Progress -->\r\n <div class=\"progress-container\">\r\n <div class=\"progress-labels\">\r\n <span>Loan Affordability<\/span>\r\n <span id=\"affordabilityScore\">45%<\/span>\r\n <\/div>\r\n <div class=\"progress-bar\">\r\n <div class=\"progress-fill\" id=\"affordabilityProgress\" style=\"width: 45%\"><\/div>\r\n <\/div>\r\n <div class=\"progress-labels\">\r\n <span>Low<\/span>\r\n <span>High<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Stats Grid -->\r\n <div class=\"stats-grid\">\r\n <div class=\"stat-card\">\r\n <div class=\"stat-title\"><i class=\"fas fa-dollar-sign\"><\/i> Total Loan Amount<\/div>\r\n <div class=\"stat-value\" id=\"totalLoanAmount\">$491,250<\/div>\r\n <div class=\"stat-note\">Including Upfront MIP<\/div>\r\n <\/div>\r\n \r\n <div class=\"stat-card\">\r\n <div class=\"stat-title\"><i class=\"fas fa-money-bill-wave\"><\/i> Down Payment<\/div>\r\n <div class=\"stat-value\" id=\"downPaymentResult\">$17,500<\/div>\r\n <div class=\"stat-note\">3.5% of home price<\/div>\r\n <\/div>\r\n \r\n <div class=\"stat-card\">\r\n <div class=\"stat-title\"><i class=\"fas fa-chart-bar\"><\/i> Total Interest Paid<\/div>\r\n <div class=\"stat-value\" id=\"totalInterest\">$594,772<\/div>\r\n <div class=\"stat-note\">Over 30 years<\/div>\r\n <\/div>\r\n \r\n <div class=\"stat-card\">\r\n <div class=\"stat-title\"><i class=\"fas fa-calendar-check\"><\/i> Payoff Date<\/div>\r\n <div class=\"stat-value\" id=\"payoffDate\">Dec 2055<\/div>\r\n <div class=\"stat-note\">30 year term<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Charts Container -->\r\n <div class=\"charts-container\">\r\n <!-- Payment Breakdown Chart -->\r\n <div class=\"chart-card\">\r\n <div class=\"chart-header\">\r\n <h3 class=\"chart-title\"><i class=\"fas fa-chart-pie\"><\/i> Payment Breakdown<\/h3>\r\n <\/div>\r\n <div class=\"chart-container\">\r\n <canvas id=\"paymentChart\"><\/canvas>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Equity Build-up Chart -->\r\n <div class=\"chart-card\">\r\n <div class=\"chart-header\">\r\n <h3 class=\"chart-title\"><i class=\"fas fa-chart-line\"><\/i> Equity Build-up<\/h3>\r\n <\/div>\r\n <div class=\"chart-container\">\r\n <canvas id=\"equityChart\"><\/canvas>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Tabs for Details -->\r\n <div class=\"tabs-container\">\r\n <div class=\"tabs-header\">\r\n <div class=\"tab active\" data-tab=\"amortization\">\r\n <i class=\"fas fa-table\"><\/i> Amortization\r\n <\/div>\r\n <div class=\"tab\" data-tab=\"mip\">\r\n <i class=\"fas fa-file-invoice-dollar\"><\/i> MIP Analysis\r\n <\/div>\r\n <div class=\"tab\" data-tab=\"comparison\">\r\n <i class=\"fas fa-balance-scale\"><\/i> Comparison\r\n <\/div>\r\n <\/div>\r\n \r\n <!-- Amortization Tab -->\r\n <div class=\"tab-content active\" id=\"amortization-content\">\r\n <div class=\"amortization-table-container\">\r\n <table class=\"amortization-table\" id=\"amortizationTable\">\r\n <thead>\r\n <tr>\r\n <th>Year<\/th>\r\n <th>Starting Balance<\/th>\r\n <th>Interest Paid<\/th>\r\n <th>Principal Paid<\/th>\r\n <th>Ending Balance<\/th>\r\n <th>Cumulative Interest<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody id=\"amortizationBody\">\r\n <!-- Will be populated by JavaScript -->\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n \r\n <!-- MIP Analysis Tab -->\r\n <div class=\"tab-content\" id=\"mip-content\">\r\n <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 24px;\">\r\n <div>\r\n <h3 style=\"color: var(--dark); margin-bottom: 16px; font-size: 1.2rem;\">FHA Mortgage Insurance<\/h3>\r\n <div style=\"background: var(--lighter-gray); padding: 20px; border-radius: var(--border-radius-sm);\">\r\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 8px; border-bottom: 1px solid var(--light-gray);\">\r\n <span>Upfront MIP:<\/span>\r\n <strong style=\"color: var(--primary);\" id=\"upfrontMIPResult\">$8,750<\/strong>\r\n <\/div>\r\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 8px; border-bottom: 1px solid var(--light-gray);\">\r\n <span>Annual MIP (Monthly):<\/span>\r\n <strong style=\"color: var(--primary);\" id=\"monthlyMIPResult\">$221.15<\/strong>\r\n <\/div>\r\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 8px; border-bottom: 1px solid var(--light-gray);\">\r\n <span>Total MIP Over Loan:<\/span>\r\n <strong style=\"color: var(--primary);\" id=\"totalMIPResult\">$79,614<\/strong>\r\n <\/div>\r\n <div style=\"display: flex; justify-content: space-between;\">\r\n <span>MIP Removal Date:<\/span>\r\n <strong style=\"color: var(--primary);\" id=\"mipRemovalDate\">Loan Term<\/strong>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <div>\r\n <h3 style=\"color: var(--dark); margin-bottom: 16px; font-size: 1.2rem;\">MIP Impact Analysis<\/h3>\r\n <div style=\"background: var(--lighter-gray); padding: 20px; border-radius: var(--border-radius-sm);\">\r\n <p style=\"margin-bottom: 12px; color: var(--gray); line-height: 1.5;\">FHA loans require Mortgage Insurance Premiums (MIP) for the life of the loan in most cases.<\/p>\r\n <ul style=\"padding-left: 20px; color: var(--gray); line-height: 1.6;\">\r\n <li style=\"margin-bottom: 6px;\">Upfront MIP: 1.75% of loan amount<\/li>\r\n <li style=\"margin-bottom: 6px;\">Annual MIP: 0.55% for LTV > 95%<\/li>\r\n <li style=\"margin-bottom: 6px;\">MIP can only be removed by refinancing<\/li>\r\n <li>Compare with conventional PMI options<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <!-- Comparison Tab -->\r\n <div class=\"tab-content\" id=\"comparison-content\">\r\n <div style=\"text-align: center; margin-bottom: 24px;\">\r\n <h3 style=\"color: var(--dark); margin-bottom: 8px; font-size: 1.3rem;\">Loan Type Comparison<\/h3>\r\n <p style=\"color: var(--gray);\">See how FHA compares to other loan options<\/p>\r\n <\/div>\r\n \r\n <div class=\"comparison-grid\">\r\n <div class=\"comparison-card\">\r\n <h4 class=\"comparison-title\"><i class=\"fas fa-home\" style=\"color: var(--primary);\"><\/i> FHA Loan<\/h4>\r\n <div class=\"comparison-rate\" style=\"color: var(--primary);\">6.225%<\/div>\r\n <ul class=\"comparison-details\">\r\n <li><span>Down Payment:<\/span> <strong>3.5%<\/strong><\/li>\r\n <li><span>Min Credit Score:<\/span> <strong>580<\/strong><\/li>\r\n <li><span>Mortgage Insurance:<\/span> <strong>Life of Loan<\/strong><\/li>\r\n <li><span>Max DTI Ratio:<\/span> <strong>57%<\/strong><\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"comparison-card recommended\">\r\n <h4 class=\"comparison-title\"><i class=\"fas fa-university\" style=\"color: var(--success);\"><\/i> Conventional<\/h4>\r\n <div class=\"comparison-rate\" style=\"color: var(--success);\">6.125%<\/div>\r\n <ul class=\"comparison-details\">\r\n <li><span>Down Payment:<\/span> <strong>3-20%<\/strong><\/li>\r\n <li><span>Min Credit Score:<\/span> <strong>620<\/strong><\/li>\r\n <li><span>Mortgage Insurance:<\/span> <strong>Removable<\/strong><\/li>\r\n <li><span>Max DTI Ratio:<\/span> <strong>45%<\/strong><\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"comparison-card\">\r\n <h4 class=\"comparison-title\"><i class=\"fas fa-flag-usa\" style=\"color: var(--secondary);\"><\/i> VA Loan<\/h4>\r\n <div class=\"comparison-rate\" style=\"color: var(--secondary);\">5.875%<\/div>\r\n <ul class=\"comparison-details\">\r\n <li><span>Down Payment:<\/span> <strong>0%<\/strong><\/li>\r\n <li><span>Min Credit Score:<\/span> <strong>620<\/strong><\/li>\r\n <li><span>Mortgage Insurance:<\/span> <strong>No PMI<\/strong><\/li>\r\n <li><span>Max DTI Ratio:<\/span> <strong>41%<\/strong><\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n <\/div>\r\n\r\n <!-- Footer -->\r\n <footer class=\"footer\">\r\n <p>\u00a9 2025 Premium FHA Loan Calculator | This tool provides estimates for informational purposes only. Actual loan terms may vary.<\/p>\r\n <div class=\"footer-links\">\r\n <a href=\"#\" class=\"footer-link\">Privacy Policy<\/a>\r\n <a href=\"#\" class=\"footer-link\">Terms of Service<\/a>\r\n <a href=\"#\" class=\"footer-link\">Contact Us<\/a>\r\n <a href=\"#\" class=\"footer-link\">Disclaimer<\/a>\r\n <\/div>\r\n <\/footer>\r\n <\/div>\r\n\r\n <script>\r\n \/\/ Initialize DateTime for date calculations\r\n const DateTime = luxon.DateTime;\r\n\r\n \/\/ DOM Elements\r\n const homePriceInput = document.getElementById('homePrice');\r\n const homePriceRange = document.getElementById('homePriceRange');\r\n const homePriceValue = document.getElementById('homePriceValue');\r\n const downPaymentInput = document.getElementById('downPayment');\r\n const downPaymentRange = document.getElementById('downPaymentRange');\r\n const downPaymentPercent = document.getElementById('downPaymentPercent');\r\n const interestRateInput = document.getElementById('interestRate');\r\n const interestRateRange = document.getElementById('interestRateRange');\r\n const interestRateValue = document.getElementById('interestRateValue');\r\n const creditScoreInput = document.getElementById('creditScore');\r\n const creditScoreRange = document.getElementById('creditScoreRange');\r\n const creditScoreValue = document.getElementById('creditScoreValue');\r\n const loanTermSelect = document.getElementById('loanTerm');\r\n const loanTermValue = document.getElementById('loanTermValue');\r\n const propertyTaxInput = document.getElementById('propertyTax');\r\n const propertyTaxValue = document.getElementById('propertyTaxValue');\r\n const homeInsuranceInput = document.getElementById('homeInsurance');\r\n const homeInsuranceValue = document.getElementById('homeInsuranceValue');\r\n const hoaFeeInput = document.getElementById('hoaFee');\r\n const hoaFeeValue = document.getElementById('hoaFeeValue');\r\n const extraPaymentInput = document.getElementById('extraPayment');\r\n const extraPaymentValue = document.getElementById('extraPaymentValue');\r\n \r\n \/\/ Result Elements\r\n const monthlyPaymentEl = document.getElementById('monthlyPayment');\r\n const totalLoanAmountEl = document.getElementById('totalLoanAmount');\r\n const downPaymentResultEl = document.getElementById('downPaymentResult');\r\n const totalInterestEl = document.getElementById('totalInterest');\r\n const payoffDateEl = document.getElementById('payoffDate');\r\n const affordabilityScore = document.getElementById('affordabilityScore');\r\n const affordabilityProgress = document.getElementById('affordabilityProgress');\r\n \r\n \/\/ Charts\r\n let paymentChart = null;\r\n let equityChart = null;\r\n\r\n \/\/ Initialize event listeners\r\n function initEventListeners() {\r\n \/\/ Sync home price input and range\r\n homePriceInput.addEventListener('input', () => {\r\n homePriceRange.value = homePriceInput.value;\r\n homePriceValue.textContent = formatCurrency(homePriceInput.value);\r\n calculateLoan();\r\n });\r\n \r\n homePriceRange.addEventListener('input', () => {\r\n homePriceInput.value = homePriceRange.value;\r\n homePriceValue.textContent = formatCurrency(homePriceRange.value);\r\n calculateLoan();\r\n });\r\n \r\n \/\/ Sync down payment input and range\r\n downPaymentInput.addEventListener('input', () => {\r\n downPaymentRange.value = downPaymentInput.value;\r\n downPaymentPercent.textContent = `${downPaymentInput.value}%`;\r\n calculateLoan();\r\n });\r\n \r\n downPaymentRange.addEventListener('input', () => {\r\n downPaymentInput.value = downPaymentRange.value;\r\n downPaymentPercent.textContent = `${downPaymentRange.value}%`;\r\n calculateLoan();\r\n });\r\n \r\n \/\/ Sync interest rate input and range\r\n interestRateInput.addEventListener('input', () => {\r\n interestRateRange.value = interestRateInput.value;\r\n interestRateValue.textContent = `${interestRateInput.value}%`;\r\n calculateLoan();\r\n });\r\n \r\n interestRateRange.addEventListener('input', () => {\r\n interestRateInput.value = interestRateRange.value;\r\n interestRateValue.textContent = `${interestRateRange.value}%`;\r\n calculateLoan();\r\n });\r\n \r\n \/\/ Sync credit score input and range\r\n creditScoreInput.addEventListener('input', () => {\r\n creditScoreRange.value = creditScoreInput.value;\r\n creditScoreValue.textContent = creditScoreInput.value;\r\n calculateLoan();\r\n });\r\n \r\n creditScoreRange.addEventListener('input', () => {\r\n creditScoreInput.value = creditScoreRange.value;\r\n creditScoreValue.textContent = creditScoreRange.value;\r\n calculateLoan();\r\n });\r\n \r\n \/\/ Other input listeners\r\n propertyTaxInput.addEventListener('input', () => {\r\n propertyTaxValue.textContent = `${propertyTaxInput.value}%`;\r\n calculateLoan();\r\n });\r\n \r\n homeInsuranceInput.addEventListener('input', () => {\r\n homeInsuranceValue.textContent = `${formatCurrency(homeInsuranceInput.value)}\/year`;\r\n calculateLoan();\r\n });\r\n \r\n hoaFeeInput.addEventListener('input', () => {\r\n hoaFeeValue.textContent = `${formatCurrency(hoaFeeInput.value)}\/year`;\r\n calculateLoan();\r\n });\r\n \r\n extraPaymentInput.addEventListener('input', () => {\r\n extraPaymentValue.textContent = `${formatCurrency(extraPaymentInput.value)}\/month`;\r\n calculateLoan();\r\n });\r\n \r\n \/\/ Loan term select\r\n loanTermSelect.addEventListener('change', () => {\r\n loanTermValue.textContent = `${loanTermSelect.value} years`;\r\n calculateLoan();\r\n });\r\n \r\n \/\/ Advanced options inputs\r\n document.getElementById('upfrontMIP').addEventListener('input', calculateLoan);\r\n document.getElementById('annualMIP').addEventListener('input', calculateLoan);\r\n document.getElementById('startDate').addEventListener('change', calculateLoan);\r\n \r\n \/\/ Calculate button\r\n document.getElementById('calculateBtn').addEventListener('click', calculateLoan);\r\n \r\n \/\/ Compare button\r\n document.getElementById('compareBtn').addEventListener('click', () => {\r\n document.querySelector('[data-tab=\"comparison\"]').click();\r\n });\r\n \r\n \/\/ Save\/Export button\r\n document.getElementById('saveBtn').addEventListener('click', exportReport);\r\n \r\n \/\/ Toggle advanced options\r\n document.getElementById('toggleOptions').addEventListener('click', () => {\r\n const content = document.getElementById('advancedOptions');\r\n const icon = document.getElementById('toggleIcon');\r\n content.classList.toggle('expanded');\r\n icon.classList.toggle('fa-chevron-down');\r\n icon.classList.toggle('fa-chevron-up');\r\n });\r\n \r\n \/\/ Tab switching\r\n document.querySelectorAll('.tab').forEach(tab => {\r\n tab.addEventListener('click', () => {\r\n const tabId = tab.getAttribute('data-tab');\r\n \r\n \/\/ Update active tab\r\n document.querySelectorAll('.tab').forEach(t => t.classList.remove('active'));\r\n tab.classList.add('active');\r\n \r\n \/\/ Show corresponding content\r\n document.querySelectorAll('.tab-content').forEach(content => {\r\n content.classList.remove('active');\r\n });\r\n document.getElementById(`${tabId}-content`).classList.add('active');\r\n });\r\n });\r\n \r\n \/\/ Initialize date picker with current month\r\n const now = new Date();\r\n const year = now.getFullYear();\r\n const month = String(now.getMonth() + 1).padStart(2, '0');\r\n document.getElementById('startDate').value = `${year}-${month}`;\r\n }\r\n\r\n \/\/ Format currency\r\n function formatCurrency(value) {\r\n return new Intl.NumberFormat('en-US', {\r\n style: 'currency',\r\n currency: 'USD',\r\n minimumFractionDigits: 0,\r\n maximumFractionDigits: 0\r\n }).format(value);\r\n }\r\n\r\n \/\/ Format currency with decimals\r\n function formatCurrencyDecimal(value) {\r\n return new Intl.NumberFormat('en-US', {\r\n style: 'currency',\r\n currency: 'USD',\r\n minimumFractionDigits: 2,\r\n maximumFractionDigits: 2\r\n }).format(value);\r\n }\r\n\r\n \/\/ Calculate monthly mortgage payment\r\n function calculateMonthlyPayment(principal, annualRate, years) {\r\n const monthlyRate = annualRate \/ 100 \/ 12;\r\n const numberOfPayments = years * 12;\r\n \r\n if (monthlyRate === 0) {\r\n return principal \/ numberOfPayments;\r\n }\r\n \r\n return principal * monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments) \/ \r\n (Math.pow(1 + monthlyRate, numberOfPayments) - 1);\r\n }\r\n\r\n \/\/ Calculate loan details\r\n function calculateLoan() {\r\n try {\r\n \/\/ Get input values\r\n const homePrice = parseFloat(homePriceInput.value) || 500000;\r\n const downPaymentPercent = parseFloat(downPaymentInput.value) || 3.5;\r\n const loanTerm = parseInt(loanTermSelect.value) || 30;\r\n const interestRate = parseFloat(interestRateInput.value) || 6.225;\r\n const propertyTaxRate = parseFloat(propertyTaxInput.value) || 1.2;\r\n const homeInsurance = parseFloat(homeInsuranceInput.value) || 2500;\r\n const hoaFee = parseFloat(hoaFeeInput.value) || 0;\r\n const upfrontMIP = parseFloat(document.getElementById('upfrontMIP').value) || 1.75;\r\n const annualMIP = parseFloat(document.getElementById('annualMIP').value) || 0.55;\r\n const extraPayment = parseFloat(extraPaymentInput.value) || 0;\r\n \r\n \/\/ Calculate derived values\r\n const downPayment = homePrice * (downPaymentPercent \/ 100);\r\n const baseLoanAmount = homePrice - downPayment;\r\n const upfrontMIPAmount = baseLoanAmount * (upfrontMIP \/ 100);\r\n const loanAmount = baseLoanAmount + upfrontMIPAmount;\r\n \r\n \/\/ Calculate monthly payments\r\n const monthlyPrincipalInterest = calculateMonthlyPayment(loanAmount, interestRate, loanTerm);\r\n const monthlyPropertyTax = (homePrice * (propertyTaxRate \/ 100)) \/ 12;\r\n const monthlyHomeInsurance = homeInsurance \/ 12;\r\n const monthlyHOA = hoaFee \/ 12;\r\n const monthlyMIP = (baseLoanAmount * (annualMIP \/ 100)) \/ 12;\r\n const monthlyExtraPayment = extraPayment || 0;\r\n \r\n \/\/ Total monthly payment\r\n const totalMonthlyPayment = monthlyPrincipalInterest + monthlyPropertyTax + \r\n monthlyHomeInsurance + monthlyHOA + monthlyMIP + monthlyExtraPayment;\r\n \r\n \/\/ Calculate totals over loan term\r\n const totalMonths = loanTerm * 12;\r\n const totalPrincipalInterest = monthlyPrincipalInterest * totalMonths;\r\n const totalInterest = totalPrincipalInterest - loanAmount;\r\n \r\n \/\/ Calculate payoff date\r\n const startDateValue = document.getElementById('startDate').value;\r\n const [year, month] = startDateValue.split('-');\r\n const payoffDate = new Date(parseInt(year) + loanTerm, parseInt(month) - 1, 1);\r\n const payoffDateFormatted = payoffDate.toLocaleDateString('en-US', { month: 'short', year: 'numeric' });\r\n \r\n \/\/ Calculate affordability (simplified)\r\n const estimatedIncome = homePrice * 0.04 * 12; \/\/ Rough estimate\r\n const dti = (totalMonthlyPayment \/ (estimatedIncome \/ 12)) * 100;\r\n const affordability = Math.max(10, Math.min(100, 100 - (dti * 1.2)));\r\n \r\n \/\/ Update UI\r\n monthlyPaymentEl.textContent = formatCurrencyDecimal(totalMonthlyPayment);\r\n totalLoanAmountEl.textContent = formatCurrency(loanAmount);\r\n downPaymentResultEl.textContent = formatCurrency(downPayment);\r\n totalInterestEl.textContent = formatCurrency(totalInterest);\r\n payoffDateEl.textContent = payoffDateFormatted;\r\n affordabilityScore.textContent = `${Math.round(affordability)}%`;\r\n affordabilityProgress.style.width = `${affordability}%`;\r\n \r\n \/\/ Update MIP results\r\n document.getElementById('upfrontMIPResult').textContent = formatCurrency(upfrontMIPAmount);\r\n document.getElementById('monthlyMIPResult').textContent = formatCurrencyDecimal(monthlyMIP);\r\n document.getElementById('totalMIPResult').textContent = formatCurrency(monthlyMIP * totalMonths);\r\n \r\n \/\/ Update charts\r\n updatePaymentChart({\r\n principalInterest: monthlyPrincipalInterest,\r\n propertyTax: monthlyPropertyTax,\r\n homeInsurance: monthlyHomeInsurance,\r\n mip: monthlyMIP,\r\n hoa: monthlyHOA,\r\n extra: monthlyExtraPayment\r\n });\r\n \r\n updateEquityChart(homePrice, loanAmount, interestRate, loanTerm, downPayment);\r\n updateAmortizationTable(loanAmount, interestRate, loanTerm, extraPayment);\r\n \r\n } catch (error) {\r\n console.error('Calculation error:', error);\r\n monthlyPaymentEl.textContent = '$---.--';\r\n }\r\n }\r\n\r\n \/\/ Update payment breakdown chart\r\n function updatePaymentChart(data) {\r\n const ctx = document.getElementById('paymentChart').getContext('2d');\r\n \r\n \/\/ Destroy existing chart\r\n if (paymentChart) {\r\n paymentChart.destroy();\r\n }\r\n \r\n const labels = ['P&I', 'Tax', 'Insurance', 'MIP', 'HOA', 'Extra'];\r\n const values = [\r\n data.principalInterest,\r\n data.propertyTax,\r\n data.homeInsurance,\r\n data.mip,\r\n data.hoa,\r\n data.extra\r\n ];\r\n \r\n \/\/ Filter out zero values\r\n const filteredLabels = [];\r\n const filteredValues = [];\r\n const filteredColors = [];\r\n \r\n const colors = ['#2A5BD7', '#10B981', '#D97706', '#DC2626', '#8B5CF6', '#0891B2'];\r\n \r\n values.forEach((value, index) => {\r\n if (value > 0) {\r\n filteredLabels.push(labels[index]);\r\n filteredValues.push(value);\r\n filteredColors.push(colors[index]);\r\n }\r\n });\r\n \r\n paymentChart = new Chart(ctx, {\r\n type: 'doughnut',\r\n data: {\r\n labels: filteredLabels,\r\n datasets: [{\r\n data: filteredValues,\r\n backgroundColor: filteredColors,\r\n borderWidth: 2,\r\n borderColor: '#FFFFFF',\r\n hoverOffset: 10\r\n }]\r\n },\r\n options: {\r\n responsive: true,\r\n maintainAspectRatio: false,\r\n cutout: '60%',\r\n plugins: {\r\n legend: {\r\n position: 'right',\r\n labels: {\r\n padding: 15,\r\n usePointStyle: true,\r\n font: {\r\n family: 'Inter',\r\n size: 12\r\n },\r\n color: '#374151'\r\n }\r\n },\r\n tooltip: {\r\n callbacks: {\r\n label: function(context) {\r\n const label = context.label || '';\r\n const value = context.raw || 0;\r\n const total = context.dataset.data.reduce((a, b) => a + b, 0);\r\n const percentage = ((value \/ total) * 100).toFixed(1);\r\n return `${label}: ${formatCurrencyDecimal(value)} (${percentage}%)`;\r\n }\r\n },\r\n backgroundColor: '#1F2937',\r\n titleFont: {\r\n family: 'Inter',\r\n size: 12\r\n },\r\n bodyFont: {\r\n family: 'Inter',\r\n size: 11\r\n }\r\n }\r\n }\r\n }\r\n });\r\n }\r\n\r\n \/\/ Update equity build-up chart\r\n function updateEquityChart(homePrice, loanAmount, interestRate, loanTerm, downPayment) {\r\n const ctx = document.getElementById('equityChart').getContext('2d');\r\n \r\n \/\/ Destroy existing chart\r\n if (equityChart) {\r\n equityChart.destroy();\r\n }\r\n \r\n \/\/ Generate data for equity build-up\r\n const years = Array.from({ length: loanTerm + 1 }, (_, i) => i);\r\n const homeValues = years.map(year => homePrice * Math.pow(1.03, year)); \/\/ 3% annual appreciation\r\n const loanBalances = years.map(year => {\r\n if (year === 0) return loanAmount;\r\n const remainingMonths = (loanTerm - year) * 12;\r\n const monthlyRate = interestRate \/ 100 \/ 12;\r\n if (monthlyRate === 0) return loanAmount * (remainingMonths \/ (loanTerm * 12));\r\n \r\n \/\/ Calculate remaining balance using amortization formula\r\n const monthlyPayment = calculateMonthlyPayment(loanAmount, interestRate, loanTerm);\r\n const balance = loanAmount * Math.pow(1 + monthlyRate, year * 12) - \r\n monthlyPayment * (Math.pow(1 + monthlyRate, year * 12) - 1) \/ monthlyRate;\r\n \r\n return Math.max(0, balance);\r\n });\r\n \r\n const equity = homeValues.map((value, i) => Math.max(0, value - loanBalances[i]));\r\n \r\n equityChart = new Chart(ctx, {\r\n type: 'line',\r\n data: {\r\n labels: years,\r\n datasets: [\r\n {\r\n label: 'Home Value',\r\n data: homeValues,\r\n borderColor: '#10B981',\r\n backgroundColor: 'rgba(16, 185, 129, 0.1)',\r\n fill: true,\r\n tension: 0.3,\r\n borderWidth: 2\r\n },\r\n {\r\n label: 'Loan Balance',\r\n data: loanBalances,\r\n borderColor: '#DC2626',\r\n backgroundColor: 'rgba(220, 38, 38, 0.1)',\r\n fill: true,\r\n tension: 0.3,\r\n borderWidth: 2\r\n },\r\n {\r\n label: 'Equity',\r\n data: equity,\r\n borderColor: '#2A5BD7',\r\n backgroundColor: 'rgba(42, 91, 215, 0.1)',\r\n fill: true,\r\n tension: 0.3,\r\n borderWidth: 2\r\n }\r\n ]\r\n },\r\n options: {\r\n responsive: true,\r\n maintainAspectRatio: false,\r\n interaction: {\r\n intersect: false,\r\n mode: 'index'\r\n },\r\n plugins: {\r\n legend: {\r\n position: 'top',\r\n labels: {\r\n font: {\r\n family: 'Inter',\r\n size: 12\r\n },\r\n color: '#374151'\r\n }\r\n },\r\n tooltip: {\r\n callbacks: {\r\n label: function(context) {\r\n return `${context.dataset.label}: ${formatCurrency(context.raw)}`;\r\n }\r\n },\r\n backgroundColor: '#1F2937',\r\n titleFont: {\r\n family: 'Inter',\r\n size: 12\r\n },\r\n bodyFont: {\r\n family: 'Inter',\r\n size: 11\r\n }\r\n }\r\n },\r\n scales: {\r\n x: {\r\n title: {\r\n display: true,\r\n text: 'Years',\r\n font: {\r\n family: 'Inter',\r\n weight: '600',\r\n size: 12\r\n },\r\n color: '#374151'\r\n },\r\n grid: {\r\n color: 'rgba(0, 0, 0, 0.05)'\r\n }\r\n },\r\n y: {\r\n title: {\r\n display: true,\r\n text: 'Amount ($)',\r\n font: {\r\n family: 'Inter',\r\n weight: '600',\r\n size: 12\r\n },\r\n color: '#374151'\r\n },\r\n ticks: {\r\n callback: function(value) {\r\n if (value >= 1000000) return '$' + (value \/ 1000000).toFixed(1) + 'M';\r\n if (value >= 1000) return '$' + (value \/ 1000).toFixed(0) + 'K';\r\n return '$' + value;\r\n },\r\n font: {\r\n family: 'Inter',\r\n size: 11\r\n }\r\n },\r\n grid: {\r\n color: 'rgba(0, 0, 0, 0.05)'\r\n }\r\n }\r\n }\r\n }\r\n });\r\n }\r\n\r\n \/\/ Update amortization table\r\n function updateAmortizationTable(principal, annualRate, years, extraPayment = 0) {\r\n const monthlyRate = annualRate \/ 100 \/ 12;\r\n const totalMonths = years * 12;\r\n const monthlyPayment = calculateMonthlyPayment(principal, annualRate, years);\r\n \r\n let balance = principal;\r\n let cumulativeInterest = 0;\r\n let tableHTML = '';\r\n \r\n for (let year = 1; year <= years; year++) {\r\n let yearInterest = 0;\r\n let yearPrincipal = 0;\r\n const startingBalance = balance;\r\n \r\n for (let month = 1; month <= 12; month++) {\r\n if (balance <= 0) break;\r\n \r\n const interestPayment = balance * monthlyRate;\r\n let principalPayment = monthlyPayment - interestPayment + (extraPayment || 0);\r\n \r\n \/\/ Don't overpay\r\n if (principalPayment > balance) {\r\n principalPayment = balance;\r\n }\r\n \r\n yearInterest += interestPayment;\r\n yearPrincipal += principalPayment;\r\n balance -= principalPayment;\r\n cumulativeInterest += interestPayment;\r\n \r\n if (balance < 0) balance = 0;\r\n }\r\n \r\n tableHTML += `\r\n <tr>\r\n <td>${year}<\/td>\r\n <td>${formatCurrency(startingBalance)}<\/td>\r\n <td>${formatCurrency(yearInterest)}<\/td>\r\n <td>${formatCurrency(yearPrincipal)}<\/td>\r\n <td>${formatCurrency(balance)}<\/td>\r\n <td>${formatCurrency(cumulativeInterest)}<\/td>\r\n <\/tr>\r\n `;\r\n \r\n if (balance <= 0) break;\r\n }\r\n \r\n document.getElementById('amortizationBody').innerHTML = tableHTML;\r\n }\r\n\r\n \/\/ Export report\r\n function exportReport() {\r\n const btn = document.getElementById('saveBtn');\r\n const originalHTML = btn.innerHTML;\r\n \r\n \/\/ Visual feedback\r\n btn.innerHTML = '<i class=\"fas fa-check\"><\/i> Exported';\r\n btn.style.background = 'linear-gradient(135deg, #059669 0%, #047857 100%)';\r\n \r\n \/\/ Simulate export\r\n setTimeout(() => {\r\n alert('Report exported successfully! In a full implementation, this would download a PDF report.');\r\n btn.innerHTML = originalHTML;\r\n btn.style.background = '';\r\n }, 1000);\r\n }\r\n\r\n \/\/ Initialize calculator\r\n function initCalculator() {\r\n initEventListeners();\r\n calculateLoan(); \/\/ Initial calculation\r\n \r\n \/\/ Set initial formatted values\r\n homePriceValue.textContent = formatCurrency(homePriceInput.value);\r\n downPaymentPercent.textContent = `${downPaymentInput.value}%`;\r\n interestRateValue.textContent = `${interestRateInput.value}%`;\r\n creditScoreValue.textContent = creditScoreInput.value;\r\n propertyTaxValue.textContent = `${propertyTaxInput.value}%`;\r\n homeInsuranceValue.textContent = `${formatCurrency(homeInsuranceInput.value)}\/year`;\r\n hoaFeeValue.textContent = `${formatCurrency(hoaFeeInput.value)}\/year`;\r\n extraPaymentValue.textContent = `${formatCurrency(extraPaymentInput.value)}\/month`;\r\n }\r\n\r\n \/\/ Start when page loads\r\n document.addEventListener('DOMContentLoaded', initCalculator);\r\n <\/script>\r\n<\/body>\r\n<\/html>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Premium FHA Loan Calculator: Description & User Guide<\/strong><\/h3>\n\n\n\n<p>The <strong>Premium FHA Loan Calculator<\/strong> is an advanced, user-friendly tool designed to provide a comprehensive analysis of a Federal Housing Administration (FHA) mortgage. Updated for 2025, it offers high-visibility, real-time calculations to help prospective homebuyers and homeowners understand the full financial picture of an FHA loan, including its unique costs like Mortgage Insurance Premiums (MIP).<\/p>\n\n\n\n<p>With features like detailed amortization schedules, payment breakdowns, and comparison tools, it\u2019s an essential resource for planning one of life\u2019s most significant investments.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Use the Calculator: A Step-by-Step Guide<\/strong><\/h3>\n\n\n\n<p>Follow these steps to generate a detailed loan analysis.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Step 1: Input Your Loan Parameters<\/strong><\/h4>\n\n\n\n<p>In the “Loan Parameters” section, adjust the default values to match your specific scenario.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Home Price:<\/strong> Enter the total purchase price of the home (e.g., $500,000).<\/li>\n\n\n\n<li><strong>Down Payment:<\/strong> Set as a percentage (the FHA minimum is 3.5% for credit scores of 580+). The tool automatically calculates the dollar amount.<\/li>\n\n\n\n<li><strong>Loan Term:<\/strong> Typically 30 years for FHA loans.<\/li>\n\n\n\n<li><strong>Interest Rate:<\/strong> Enter your estimated or quoted annual interest rate (e.g., 6.225%).<\/li>\n\n\n\n<li><strong>Credit Score:<\/strong> Input your score, as it influences your eligibility for the minimum down payment.<\/li>\n\n\n\n<li><strong>Property Tax Rate:<\/strong> Enter your local annual rate as a percentage (e.g., 1.2%). This is used to estimate your monthly escrow payment.<\/li>\n\n\n\n<li><strong>Advanced Options:<\/strong> (If available) You may find fields for Homeowner\u2019s Insurance estimates, HOA fees, or adjustable-rate loan specifics.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Step 2: Generate Your Results<\/strong><\/h4>\n\n\n\n<p>Click the <strong>“Calculate”<\/strong> button. The tool will instantly process your inputs and display a full suite of results on the right-hand side.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Step 3: Review Your Key Results<\/strong><\/h4>\n\n\n\n<p>The dashboard provides a clear snapshot:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Estimated Monthly Payment ($3,944.33):<\/strong> This is your total estimated PITI+MIP payment:\n<ul class=\"wp-block-list\">\n<li><strong>Principal & Interest:<\/strong> The core loan repayment.<\/li>\n\n\n\n<li><strong>Taxes & Insurance:<\/strong> Estimated escrow costs.<\/li>\n\n\n\n<li><strong>FHA MIP:<\/strong> The mandatory monthly Mortgage Insurance Premium.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Loan Affordability Gauge:<\/strong> A visual indicator (e.g., 76% – “Low\/High”) showing how this payment fits within typical debt-to-income ratios.<\/li>\n\n\n\n<li><strong>Total Loan Amount ($490,944):<\/strong> Includes the base loan plus the <strong>FHA Upfront MIP<\/strong> (financed into the loan).<\/li>\n\n\n\n<li><strong>Total Interest Paid ($594,401):<\/strong> A powerful figure showing the total interest cost over the full 30-year life of the loan.<\/li>\n\n\n\n<li><strong>Payoff Date:<\/strong> Your estimated final payment month and year.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Step 4: Dive Deeper with Detailed Analysis<\/strong><\/h4>\n\n\n\n<p>Use the tabs or sections below the summary to explore:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment Breakdown:<\/strong> A pie or bar chart showing what portion of your payment goes to principal, interest, taxes, insurance, and MIP.<\/li>\n\n\n\n<li><strong>Amortization Schedule:<\/strong> A year-by-year table (as shown) detailing:\n<ul class=\"wp-block-list\">\n<li><strong>Year:<\/strong> Loan year.<\/li>\n\n\n\n<li><strong>Starting\/Ending Balance:<\/strong> How your debt decreases.<\/li>\n\n\n\n<li><strong>Interest & Principal Paid:<\/strong> How much of each year’s payments go toward the loan cost vs. building equity.<\/li>\n\n\n\n<li><strong>Cumulative Interest:<\/strong> The running total of interest paid, highlighting the long-term cost.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>MIP Analysis:<\/strong> Specifics on the FHA’s upfront and monthly insurance costs and their duration.<\/li>\n\n\n\n<li><strong>Equity Build-up:<\/strong> A visualization of how your ownership stake grows over time.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Step 5: Compare and Export (Premium Features)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compare:<\/strong> Use the <strong>“Compare”<\/strong> button to save your current scenario and run another (e.g., with a higher down payment or different rate) to see side-by-side differences in payments and total costs.<\/li>\n\n\n\n<li><strong>Export:<\/strong> Click <strong>“Export”<\/strong> to download your amortization schedule and results as a PDF or CSV file for your records or to share with a loan officer.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Important Disclaimer<\/strong><\/h3>\n\n\n\n<p>As noted in the tool’s footer: <strong>This tool provides estimates for informational purposes only. Actual loan terms, interest rates, taxes, insurance, and MIP costs may vary.<\/strong> The calculator uses standardized formulas and your inputs to create a highly accurate projection, but it is not a loan offer or guarantee. Always consult with a qualified mortgage professional for final figures and personal advice.<\/p>\n\n\n\n<p><strong>\u00a9 2025 Premium FHA Loan Calculator<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Premium FHA Loan Calculator: Description & User Guide The Premium FHA Loan Calculator is an advanced, user-friendly tool designed to provide a comprehensive analysis of a Federal Housing Administration (FHA) mortgage. Updated for 2025, it offers high-visibility, real-time calculations to help prospective homebuyers and homeowners understand the full financial picture of an FHA loan, including […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"disabled","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[165],"class_list":["post-3083","page","type-page","status-publish","hentry","category-financial","tag-financialplanning-homebuyingtips-realestatetools-fhacalculator-firsttimehomebuyer-mipcalculator-loancomparison"],"_links":{"self":[{"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/pages\/3083","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/comments?post=3083"}],"version-history":[{"count":3,"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/pages\/3083\/revisions"}],"predecessor-version":[{"id":3175,"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/pages\/3083\/revisions\/3175"}],"wp:attachment":[{"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/media?parent=3083"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/categories?post=3083"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tools.mobozostore.shop\/2879-2\/wp-json\/wp\/v2\/tags?post=3083"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}