SmartCalcy.毎日の計算にすぐ答え
/
住宅ローンと不動産

FHA loan calculator

毎月 payment on a US FHA mortgage including the upfrontとannual mortgage insurance premiums.

£
価格 %
FHA allows 3.5% with a 580+ credit score, 10%個で500〜579
%（年）
年
the loan 長さインチ年
loan %
Usually added〜the loan
%（年）
Check the current HUD rate個でyour loan size、期間、down payment
年 price %
年 price %

FHA loan calculatorについて

毎月 payment on a US FHA mortgage including the upfrontとannual mortgage insurance premiums.

SmartCalcyの「住宅ローンと不動産」セクションの一部です。アカウント不要でブラウザ上で動作し、お使いの通貨と単位（ページ上部で変更可）を使います。結果は参考用の目安なので、頼る前に公的な情報をご確認ください。

FHA loan calculatorの使い方

何を計算するか、いつ使うか

Estimate the 毎月 payment on a US FHA mortgage、including the upfront、annual mortgage insurance premiums that make FHA different 開始 a conventional loan.

使い方の手順

  1. Enter the 価格とyour down payment 割合.
  2. Enter the 利息 利率とloan 期間.
  3. Check the insurance premiums、property 税額、ホーム insurance.
  4. Read the 合計 paymentとits parts.

各入力項目の意味

  • Down payment – FHA allows 3.5% with a 580+ credit score,または10% from 500〜579.
  • Upfront premium – the loanとnormally added〜it.のUsually 1.75%
  • Annual premium – Charged 毎月. The 利率 depends on loan サイズ、期間、down payment, so confirm it with your lender.

結果の読み方

  • 毎月の支払額 – 元金とinterest、mortgage insurance, 税額、insurance.
  • 借入額 – The 価格 minus the down payment, plus the upfront premium.

計算式

Loan = 価格 × (1 − down payment) × (1 + upfront premium). 元金と利息 = Loan × r ÷ (1 − (1 + r)^−n). 毎月 MIP = 底辺 loan × annual 利率 ÷ 12.

計算例

A 350,000 home with 3.5% downはa 337,750 base loan. With a 1.75% upfront premium the loanは343,661. At 6.5% over 30ですです年、元金、interestはMIP plus tax 2,172.17; with 154.80ですとinsurance the totalは月about 2,749.89.です

前提と限界

  • FHA premiums、loan limits、rules are set by HUDとchange. Treat the defaults as editableとcheck current values.
  • MIPはHUD’s method. calculated on the base loan, a simplificationです

よくある間違い

  • Ignoring that MIP 缶 last個でthe loan with under 10% down. the life
  • Forgetting loan limits that vary by county.

よくある質問

When 缶 I 削除 FHA mortgage insurance?

With 10%またはmore down it normally ends after 11 years. With less, it normally lasts個でthe loan, so many borrowers refinance later. the life

Is FHA cheaper than conventional?

It depends on your credit scoreとdown payment. Compare bo乗.

関連ツール

VA loan calculator住宅ローン計算機Down payment calculatorHouse affordability calculator

その他のmortgage & real estate

住宅ローン計算機Amortization calculatorMortgage payoff calculatorHouse affordability calculatorDebt-to-income 比 calculatorRent calculatorReal estate calculatorRental property calculatorRefinance calculatorAPR calculatorVA loan calculatorホーム equity loan calculatorHELOC calculatorDown payment calculatorRentと購入 calculatorの比較Stamp Duty calculator (England & NI)
毎月の支払額
£2,749.89
£343,661 loan including £5,911 upfront premium
元金と利息 £2,172.17Mortgage insurance £154.80税額とinsurance £422.92

詳細

元金と利息
£2,172.17
Annual MIP, 毎月
£154.80
Property 税額
£320.83
ホーム insurance
£102.08
Down payment
£12,250.00
利息総額
£438,320.19
With under 10% down, FHA annual MIP normally lasts個でthe loan. With 10%またはmore it normally ends after 11年. the life
FHA rules、loan limits、premiums change. Treat the MIP figures as editable defaultsとconfirm them with your lenderまたはHUD.