FHA loan calculator
Mensal payment on a US FHA mortgage including the upfront e annual mortgage insurance premiums.
Sobre FHA loan calculator
Mensal payment on a US FHA mortgage including the upfront e annual mortgage insurance premiums.
Faz parte da secção «Hipoteca e imóveis» do SmartCalcy. Funciona no seu navegador sem conta, usa a sua própria moeda e unidades (altere-as no topo da página) e dá estimativas apenas a título informativo, por isso consulte as orientações oficiais antes de confiar num resultado.
Como usar a FHA loan calculator
O que calcula e quando usar
Estimate the Mensal payment on a US FHA mortgage, including the upfront e annual mortgage insurance premiums that make FHA different de a conventional loan.
Como usar, passo a passo
- Enter the Preço e your down payment Porcentagem.
- Enter the Juros Taxa e loan Prazo.
- Check the insurance premiums, property Imposto e Início insurance.
- Read the total payment e its parts.
O que significa cada campo
- Down payment – FHA allows 3.5% with a 580+ credit pontuação, ou 10% from 500 a 579.
- Upfront premium – Usually 1.75% de the loan e normally added a it.
- Annual premium – Charged Mensal. The Taxa depends on loan Tamanho, Prazo e down payment, so confirm it with your lender.
Como ler os resultados
- Pagamento mensal – Principal e interest, mortgage insurance, Imposto e insurance.
- Valor do empréstimo – The Preço minus the down payment, plus the upfront premium.
A fórmula
Loan = Preço × (1 − down payment) × (1 + upfront premium). Principal e Juros = Loan × r ÷ (1 − (1 + r)^−n). Mensal MIP = base loan × annual Taxa ÷ 12.
Um exemplo prático
A 350,000 home with 3.5% down é a 337,750 base loan. With a 1.75% upfront premium the loan é 343,661. At 6.5% over 30 anos, principal e interest é 2,172.17; with 154.80 de MIP plus tax e insurance the total é about 2,749.89 por mês.
Premissas e limites
- FHA premiums, loan limits e rules are set by HUD e change. Treat the defaults as editable e check current values.
- MIP é calculated on the base loan, a simplification de HUD’s method.
Erros comuns
- Ignoring that MIP lata last por the life de the loan with under 10% down.
- Forgetting loan limits that vary by county.
Perguntas frequentes
When lata I Remover FHA mortgage insurance?
With 10% ou 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 pontuação e down payment. Compare bo.ª.
Ferramentas relacionadas
Detalhes
- Principal e Juros
- £2,172.17
- Annual MIP, Mensal
- £154.80
- Property Imposto
- £320.83
- Início insurance
- £102.08
- Down payment
- £12,250.00
- Juros totais
- £438,320.19