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Manele FHA Mortgage Calculator

Estimate your true cost of homeownership in Manele with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$5,219
P&I Payment$4,503
Taxes & Ins$149
Utilities$240
Also calculate:Conventional CalculatorVA Calculator

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Mortgage Details

$725,607
Local Median: $725,607
$25,396 (3.5%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Mortgage Insurance (MIP)$327/mo
Upfront MIP (UFMIP) (financed)$12,254

FHA charges MIP regardless of down payment; UFMIP is financed into the loan.

Upfront costs

One-time costs to open your FHA loan.

Down payment (cash)
$25,396
3.5% of price
Upfront MIP (UFMIP)
$12,254
1.75% · financed into loan
Financed loan amount
$712,465
incl. UFMIP
Monthly$5,219

Monthly Breakdown

Principal & Interest
$4,503
Property Taxes
$67
Homeowners Ins.
$82
Mortgage Insurance (MIP)
$327
Utilities
$240

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$908,710

Local Housing Facts for Manele

  • ·Median home value: $725,607 (adjusted for current market conditions)
  • ·Est. property taxes: $799/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $988/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,880/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

What is the FHA upfront mortgage insurance premium (MIP) for a home in Manele, HI?

An FHA buyer in Manele, HI borrowing $700,211 (with 3.5% down on a median $725,607 home) pays an upfront mortgage insurance premium (MIP) of $12,254 — equal to 1.75% of the base loan amount. This upfront MIP is typically financed into the loan balance rather than paid at closing, increasing the total loan amount to approximately $712,465.

How much is the monthly FHA mortgage insurance in Manele, HI?

For a typical FHA loan in Manele, HI with a base loan amount of $700,211, the annual MIP rate is 0.55% — adding approximately $321/month to the required payment. This monthly MIP is separate from principal, interest, property taxes, and homeowners insurance.

Does FHA mortgage insurance go away in Manele, HI?

Unlike conventional PMI — which automatically cancels at 80% LTV under the Homeowners Protection Act — FHA annual MIP on loans with less than 10% down does not fall off. For FHA buyers in Manele, HI putting 3.5% down, this means ongoing monthly MIP payments of approximately $321/month for the life of the loan. To eliminate MIP, borrowers must refinance into a conventional loan once they reach 20% equity, or put 10%+ down at origination (MIP then cancels after 11 years).

Am I eligible for FHA financing in Manele, HI?

The 2025 FHA loan limit for Manele, HI is $1,299,500 for a 1-unit property. A typical buyer purchasing the median-priced home here (approximately $725,607) with 3.5% down would have a base loan amount of approximately $700,211, which falls within the local FHA limit — making FHA financing an accessible option for eligible buyers.

What is the true all-in monthly cost of owning an FHA-financed home in Manele, HI?

Beyond principal and interest, FHA buyers in Manele, HI with a median $725,607 home can expect approximately $799/yr in property taxes, $988/yr for homeowners insurance, $2,880/yr in energy utilities, and $321/mo in FHA mortgage insurance (MIP). Together, these non-P&I costs add approximately $710/month to the required payment in Manele, HI.