Estimate principal, interest, upfront mortgage insurance and an editable monthly FHA mortgage-insurance charge.
Monthly end-of-period contributions. Net annual factor = (1 + gross return) × (1 − annual fee). Inflation discounts the ending balance. Taxes and variable market returns are not modelled.
| Year | Balance | Invested | Gain / loss |
|---|---|---|---|
| 0 | $10,000.00 | $10,000.00 | $0.00 |
| 1 | $13,734.39 | $13,000.00 | $734.39 |
| 2 | $17,710.20 | $16,000.00 | $1,710.20 |
| 3 | $21,943.06 | $19,000.00 | $2,943.06 |
| 4 | $26,449.56 | $22,000.00 | $4,449.56 |
| 5 | $31,247.42 | $25,000.00 | $6,247.42 |
| 6 | $36,355.45 | $28,000.00 | $8,355.45 |
| 7 | $41,793.72 | $31,000.00 | $10,793.72 |
| 8 | $47,583.57 | $34,000.00 | $13,583.57 |
| 9 | $53,747.74 | $37,000.00 | $16,747.74 |
| 10 | $60,310.42 | $40,000.00 | $20,310.42 |
Method: This model combines an initial balance with end-of-month contributions. It reduces the gross annual growth factor by an annual asset fee, then converts the net factor to a monthly rate. The ending balance is discounted by inflation to show purchasing power.
Inputs used: Currency = USD; Starting investment = 10,000; Monthly contribution = 250; Investment horizon = 10 years; Gross annual return = 7 %; Annual asset fee = 0.5 %; Annual inflation = 2.5 %
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: Monthly end-of-period contributions. Net annual factor = (1 + gross return) × (1 − annual fee). Inflation discounts the ending balance. Taxes and variable market returns are not modelled. Rounding and excluded real-world terms can make an external result differ.
Investor.gov financial tools · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
The base loan equals the purchase price less the down payment. The entered upfront insurance percentage is financed into the illustrative loan balance, while the annual insurance percentage becomes a monthly charge.
For a $350,000 home with a 3.5% down payment, the calculator separates principal and interest from the entered monthly insurance estimate.
No. Program terms, loan amount, term, loan-to-value and HUD guidance matter. Enter current quoted figures before relying on a result.
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This calculator applies the amounts, rates and assumptions you enter to a transparent planning model.
Program eligibility, tax treatment, lender underwriting and official benefit determinations require the applicable provider or agency.
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