FHA loan calculator
Bulanan payment on a US FHA mortgage including the upfront dan annual mortgage insurance premiums.
Tentang FHA loan calculator
Bulanan payment on a US FHA mortgage including the upfront dan annual mortgage insurance premiums.
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Cara menggunakan FHA loan calculator
Apa yang dihitung dan kapan digunakan
Estimate the Bulanan payment on a US FHA mortgage, including the upfront, dan annual mortgage insurance premiums that make FHA different Dari a conventional loan.
Cara menggunakan, langkah demi langkah
- Enter the Harga dan your down payment Persentase.
- Enter the Bunga Suku bunga dan loan Jangka waktu.
- Check the insurance premiums, property Pajak, dan Beranda insurance.
- Read the total payment dan its parts.
Arti setiap input
- Down payment – FHA allows 3.5% with a 580+ credit score, atau 10% from 500 sampai 579.
- Upfront premium – Usually 1.75% dari the loan dan normally added sampai it.
- Annual premium – Charged Bulanan. The Suku bunga depends on loan Ukuran, Jangka waktu, dan down payment, so confirm it with your lender.
Cara membaca hasil
- Pembayaran bulanan – Pokok dan interest, mortgage insurance, Pajak, dan insurance.
- Jumlah pinjaman – The Harga minus the down payment, plus the upfront premium.
Rumus
Loan = Harga × (1 − down payment) × (1 + upfront premium). Pokok dan Bunga = Loan × r ÷ (1 − (1 + r)^−n). Bulanan MIP = Alas loan × annual Suku bunga ÷ 12.
Contoh perhitungan
A 350,000 home with 3.5% down adalah a 337,750 base loan. With a 1.75% upfront premium the loan adalah 343,661. At 6.5% over 30 tahun, Pokok, dan interest adalah 2,172.17; with 154.80 MIP plus tax dan insurance the total adalah about 2,749.89 per bulan.
Asumsi dan batasan
- FHA premiums, loan limits, dan rules are set by HUD dan change. Treat the defaults as editable dan check current values.
- MIP adalah calculated on the base loan, a simplification HUD’s method.
Kesalahan umum
- Ignoring that MIP kaleng last seharga the life the loan with under 10% down.
- Forgetting loan limits that vary by county.
Pertanyaan yang sering diajukan
When kaleng I Hapus FHA mortgage insurance?
With 10% atau more down it normally ends after 11 years. With less, it normally lasts seharga the life the loan, so many borrowers refinance later.
Is FHA cheaper than conventional?
It depends on your credit score dan ke-down payment. Compare bo.
Alat terkait
Detail
- Pokok dan Bunga
- £2,172.17
- Annual MIP, Bulanan
- £154.80
- Property Pajak
- £320.83
- Beranda insurance
- £102.08
- Down payment
- £12,250.00
- Total bunga
- £438,320.19