Greenhaven Solutions, LLC

Will the property
support its FHA payment?

An FHA self-sufficiency screening calculator for 3–4-unit properties, with a payment planner for 1–2 units.

The rule in plain English
Add appraiser-supported market rent from every unit, including the one you will occupy. Subtract the greater of 25% of total rent or the appraiser’s vacancy-and-maintenance estimate. The remaining amount must cover the lender’s required monthly payment. This test does not apply to ordinary 1–2-unit properties.

01 / Property & market rents

Property address or scenario name (optional)

Legal dwelling units

Unit you will occupy

Use the FHA appraiser’s market-rent estimate for each unit. Section 8 payment standards and advertised rents are not automatically appraiser-supported rents. Ask the lender how any ADU changes the FHA property classification.

Unit 1 market rent ($/month) · your unit

Unit 2 market rent ($/month)

Unit 3 market rent ($/month)

Unit 4 market rent ($/month)

Appraiser’s vacancy & maintenance estimate

Estimate format

Appraiser estimate (%)

Use 25% as a preliminary assumption if the appraisal is not available. The calculator always applies at least 25%, even if you enter less.

02 / Financing & payment

Purchase price ($)

Down payment (%)

Interest rate (%)

Amortization (years)

Upfront MIP (%)

Upfront MIP payment

Annual property taxes ($)

Annual hazard insurance ($)

Annual flood insurance ($)

Annual MIP rate (%)

Monthly HOA/association ($)

Other monthly housing charges ($)

Rates are editable examples, not quotes. Annual MIP is approximated on the base loan; the lender’s actual premium may differ. The default screen includes MIP, HOA and other charges conservatively. Use the lender override below for its exact test payment. Taxes are a fixed input: update them when changing price.

Use an exact lender payment

Payment used for the screening test

Lender-confirmed monthly test payment ($)

The handbook expresses the test as PITI ÷ net self-sufficiency rent ≤ 100%. Confirm the lender’s treatment of mortgage insurance, association charges, and other costs. An override replaces the calculated payment; it is not added to it.

ENTER YOUR NUMBERS

Ready to calculate

The sample inputs are illustrative. Select Calculate results to run the screen.

Net rent available for test—

Payment used for test—

Payment ÷ net rent—

Pass threshold: 100% or less. Exactly 100% passes the mathematical screen. Passing is not FHA approval or a positive-cash-flow guarantee.

How your result adds up

Market rent: all units—

Minimum 25% deduction—

Appraiser’s deduction—

Deduction actually used—

Additional total rent needed—

Total rent needed to pass—

Payment reduction needed—

Rent targets assume the entered deduction method remains unchanged.

Monthly housing payment estimate

Principal & interest—

Property taxes—

Hazard + flood insurance—

Mortgage insurance—

HOA + other charges—

Calculated total payment—

Base loan—

Total financed loan—

Down payment—

Down payment is not total cash to close. Closing costs, prepaid expenses, reserves, and any cash-paid upfront MIP are additional. Loan limits are not checked.

Separate owner-occupant view

Choose the unit you will occupy.

This is a gross-rent comparison, not a cash-flow calculation or qualifying-income determination. Operating expenses and vacancy still apply. The owner’s unit is included in the self-sufficiency test even though it produces no actual rent while you live there.