Home, Land, Property Buying and Selling - Montly Morgage payment question

I've been looking on the HUD website at the FHA loan program. I am curious on how they arrive at the monthly payment. I'm looking at a house for $44,000.00 and I plugged that in on their website for a 20 month loan term and the loan would be for $47,200 or something close to that and it comes back as a montly payment of $386. If you times that by 240 months and you get $92,640.00. Can someone explain this to me? The rate is a fixed 6% rate

Welcome to buying a home...it's all about the interest! The diff between the requested amount and the loan amount is probably the fees.
I had a $120K loan, would have been about $450k after final payoff. Long time ago , diff rates.

it has to do with the way interest is figured, if i have it right the interest is figured after each months payment to make the total of principle and interest, then you also have escro added to p&i
so say you have 6% apr, 10K loan 10years, to just pay off the loan with no interest payments would be 83.33 per month, then 6% is 600 per year divided by 12= 50.00 so first payment would be 83.33+50=133.33 + escrow= payment, but the way it is figured is as a total of all p & I over the life of the loan divided by the total no. of payments. not an easy job to explain.

Murphy was an optimist

Using your numbers I came up with $338 per month. This would be $81,157 total payback over the life of the loan. So..

Loan 47,240
Interest 33,957
Total 81,157

That is strictly for the loan, not including taxes, insurance, etc.