Tools
HUD multifamily calculators
Nine calculators for HUD/FHA apartment loans of 5 or more units, built on the rules in force on October 30, 2026: 0.25% MIP, Mortgagee Letter 2025-03's loan ratios, the CY2026 statutory limits and HUD's own loan file.
Size a new HUD loan
- Purchase or refinance 223(f) loan sizer How much will HUD lend on an existing property, and which test sets the number?
- New construction 221(d)(4) loan sizer How much will HUD lend to build, with construction interest and MIP solved into the cost?
- Per-unit caps Statutory limit calculator What is the most HUD can insure for this unit mix, section and state in 2026?
- Compare executions HUD vs agency cost Does the HUD loan cost more or less than my Fannie, Freddie or bank quote over my hold?
Own a HUD-insured property
- 0.25% MIP MIP savings calculator What does my old MIP cost against 0.25%, and when does a refinance pay for itself?
- Streamlined refinance 223(a)(7) refinance estimator What would a 223(a)(7) do to my payment, loan amount and costs?
- Paying off early Prepayment calculator What premium would I owe to pay off in a given year, and is a 223(f) still in its five-year bar?
- Distributions Surplus cash calculator How much surplus cash can I distribute this period under form HUD-93486?
Buy a property with a HUD loan on it
How these tools work
Each calculator runs in your browser, keeps your inputs in the page address so you can share or bookmark a scenario, and explains every result in words. The method and the sources sit under each one, readable without JavaScript. Rules come from primary documents only: HUD Mortgagee Letters, the 2020 MAP Guide, Federal Register notices and the National Housing Act.
No tool types a current market rate. Where a rate default appears, it is the median note rate on loans HUD endorsed in the past year, taken from HUD's active insured mortgage file, and you should replace it with your quote.
They are estimates, not quotes. HUD, the lender and the appraisal decide the real numbers. Janover Capital is a commercial mortgage advisor, not a lender, and is not affiliated with HUD or FHA. To size a real deal, send it to the desk.