How to Use a Mortgage Insurance Cost Calculator: Duane Buziak’s Step-by-Step Guide (2026)

A Mortgage Insurance Cost Calculator stops being a black box once you know the four inputs that drive PMI, MIP, and VA funding fee math — this step-by-step guide from Scotsman Guide Top Originator Duane Buziak walks homebuyers through a real $320,000 Virginia purchase scenario to find the lowest total-cost loan structure and plan a clear exit from mortgage insurance from day one.

Typical FHA Loan Fees Explained: What Duane Buziak Wants Every Homebuyer to Know in 2026

Typical FHA loan fees fall into four government-regulated buckets — FHA-specific charges, lender fees, third-party closing costs, and prepaids — and understanding each one lets homebuyers compare lenders precisely and close without surprises. At MortgageRateHawk.com, Duane Buziak applies a hunt-first approach built over a decade and $95.6M in verified solo production to make sure you never overpay.