FHA loan calculator
Mensual payment on a US FHA mortgage including the upfront y annual mortgage insurance premiums.
Acerca de FHA loan calculator
Mensual payment on a US FHA mortgage including the upfront y annual mortgage insurance premiums.
Forma parte de la sección «Hipoteca e inmobiliaria» de SmartCalcy. Se ejecuta en tu navegador sin cuenta, usa tu propia moneda y unidades (cámbialas en la parte superior de la página) y da estimaciones solo a título informativo, así que consulta la guía oficial antes de fiarte de un resultado.
Cómo usar la FHA loan calculator
Qué calcula y cuándo usarla
Estimate the Mensual payment on a US FHA mortgage, including the upfront y annual mortgage insurance premiums that make FHA different desde a conventional loan.
Cómo usarla, paso a paso
- Enter the Precio y your down payment Porcentaje.
- Enter the Intereses Tipo y loan Plazo.
- Check the insurance premiums, property Impuesto y Inicio insurance.
- Read the total payment y its parts.
Qué significa cada dato
- Down payment – FHA allows 3.5% with a 580+ credit puntuación, o 10% from 500 a 579.
- Upfront premium – Usually 1.75 % de the loan y normally added a it.
- Annual premium – Charged Mensual. The Tipo depends on loan Tamaño, Plazo y down payment, so confirm it with your lender.
Cómo leer los resultados
- Pago mensual – Capital y interest, mortgage insurance, Impuesto y insurance.
- Importe del préstamo – The Precio minus the down payment, plus the upfront premium.
La fórmula
Loan = Precio × (1 − down payment) × (1 + upfront premium). Capital y Intereses = Loan × r ÷ (1 − (1 + r)^−n). Mensual MIP = base loan × annual Tipo ÷ 12.
Un ejemplo práctico
A 350,000 home with 3.5% down es a 337,750 base loan. With a 1.75% upfront premium the loan es 343,661. At 6.5% over 30 años, Capital y interest es 2,172.17; with 154.80 de MIP plus tax y insurance the total es about 2,749.89 al mes.
Supuestos y límites
- FHA premiums, loan limits y rules are set by HUD y change. Treat the defaults as editable y check current values.
- MIP es calculated on the base loan, a simplification de HUD’s method.
Errores comunes
- Ignoring that MIP bote last por the life de the loan with under 10% down.
- Forgetting loan limits that vary by county.
Preguntas frecuentes
When bote I Quitar FHA mortgage insurance?
With 10% o more down it normally ends after 11 years. With less, it normally lasts por the life de the loan, so many borrowers refinance later.
Is FHA cheaper than conventional?
It depends on your credit puntuación y down payment. Compare bo.ª.
Herramientas relacionadas
Detalles
- Capital y Intereses
- £2,172.17
- Annual MIP, Mensual
- £154.80
- Property Impuesto
- £320.83
- Inicio insurance
- £102.08
- Down payment
- £12,250.00
- Intereses totales
- £438,320.19