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FHA Loan Payment Calculator Bakersfield CA | Clarity Home Loans
📍 Bakersfield, CA · Kern County · Central Valley

FHA Loan Monthly Payment Chart — Bakersfield, California

Instantly estimate your FHA 30-year monthly payment (PITI + MIP) by purchase price and interest rate. Built for homebuyers in Bakersfield, Kern County, and the Central Valley — by Clarity Home Loans, your local FHA-approved mortgage broker.

How to Use This FHA Payment Chart

This chart works like a times table — find your purchase price on the left (Y-axis) and your interest rate across the top (X-axis). Where the two meet, you'll see your estimated full monthly payment including principal, interest, property taxes, homeowner's insurance, and FHA mortgage insurance premium (MIP).

  • Type your target price in the Jump to Price box to highlight that row instantly
  • Hover any cell to see the payment broken down into P&I, MIP, Tax, and Insurance
  • Rates shown: 4.000% – 7.750% in ⅛% increments
  • Prices shown: $330,000 – $650,000 in $5,000 increments

What This FHA Payment Includes

Every cell in this chart is a full PITI + MIP estimate — not just principal and interest. Here's exactly what's factored in:

  • Down Payment: 3.5% (FHA minimum)
  • UFMIP: 1.75% of base loan, financed into the loan
  • Annual MIP: 0.55% of base loan ÷ 12
  • Property Tax: 1.30% of purchase price ÷ 12 (Kern County estimate)
  • Homeowner's Insurance: 0.35% of purchase price ÷ 12
Clarity
Home Loans
FHA 30-Year · PITI + MIP
Monthly Payment Reference Table
Assumptions
3.5% Down · UFMIP 1.75% Financed
Annual MIP 0.55% of Base Loan
Property Tax 1.30% / yr
Homeowner's Insurance 0.35% / yr
Jump to Price:
$
Enter a price above or hover any cell to see the full payment breakdown
· monthly payment range
Estimates only — actual payments may vary. Not a loan commitment. · 3.5% down · UFMIP 1.75% financed · MIP 0.55%/yr · Tax 1.30%/yr · Insurance 0.35%/yr · 30-year fixed. CLARITY HOME LOANS · NMLS #1048641

FHA Loan FAQ — Bakersfield & Kern County

An FHA monthly payment includes four components: Principal and Interest (P&I), property taxes (T), homeowner's insurance (I), and the Mortgage Insurance Premium (MIP). Together this is called PITI + MIP. For a 30-year FHA loan, the annual MIP is 0.55% of the base loan amount divided into 12 monthly payments.
The minimum down payment for an FHA loan is 3.5% of the purchase price for borrowers with a credit score of 580 or higher. For scores between 500–579, a 10% down payment is required. All payments in this chart assume the 3.5% minimum down payment.
UFMIP stands for Upfront Mortgage Insurance Premium. It is a one-time FHA fee of 1.75% of the base loan amount. Most borrowers choose to finance it into the loan rather than pay it at closing. This chart includes UFMIP financed into the loan, which is why the loan balance — and your P&I payment — is slightly higher than the raw loan amount.
For most 30-year FHA loans with less than 10% down, the annual MIP rate is 0.55% of the base loan, divided by 12 for the monthly charge. On a $400,000 purchase with 3.5% down, the base loan is $386,000 — making the monthly MIP approximately $177/month.
These estimates use a property tax rate of 1.30% and homeowner's insurance of 0.35%, which are reasonable approximations for Kern County and the Bakersfield area. Your actual tax and insurance amounts may vary by neighborhood, property type, and insurer. Contact Clarity Home Loans at 661-322-5626 for a precise quote based on your specific property.
FHA loans are among the most flexible mortgage programs for borrowers with less-than-perfect credit. A minimum credit score of 580 qualifies for the 3.5% down payment option. Scores between 500–579 may still qualify with 10% down. Clarity Home Loans also offers credit repair guidance and can help you develop a plan to qualify. Call us at 661-322-5626.

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FREE Home Purchase Qualifier

Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!

By signing up via text, you agree to receive recurring automated marketing messages, including cart reminders, at the phone number provided. Consent is not a condition of purchase. Reply STOP to unsubscribe. Message frequency varies. Msg & data rates may apply. Your Privacy is our priority. Your information will not be shared.

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What Our Clients Say

Highly recommend to first home time buyers or if you are interested in refinancing! This office does it all. From the easy to use web portal to submit documents to a friendly and knowledgeable staff to consistent communication that provides up-to-date status check ins, we have simply had the absolute best experiences working with Clarity Home Loans. This is now our third time working with Chasity and we have so much respect and trust in what they do; they listen to their clients and are always searching for the best possible outcome for them. Without a doubt, Chasity and her team at Clarity Home Loans are simply the best at what they do!

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One of the best experience we had. As home buying is always a stressful process but Chasity make a breeze for us from beginning till end. Thank you Chasity for all your help and support.

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First Time Investor

Visit our Location

5060 California Ave Suite 1090 Bakersfield, Califoronia 93309

Give us a Call

661-322-5626

661-343-8469

Send us a Message

About Us


A Division of Tyky | Equal Housing Lender NMLS #1048641 Licensed by the Department of Real Estate under the California Residential Mortgage Lending Act. The information in this email is for the intended recipient and should not be read by or distributed to anyone else. If you are not the intended recipient, please notify me via return email or call 661-322-5626, delete this email, and destroy any hard copies

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