FHA loan calculator

Как пользоваться: FHA loan calculator

Что считает и когда использовать

Estimate the Ежемесячно payment on a US FHA mortgage, including the upfront и annual mortgage insurance premiums that make FHA different С a conventional loan.

Как пользоваться, шаг за шагом

1. Enter the Цена и your down payment Процент.
2. Enter the Проценты Ставка и loan Срок.
3. Check the insurance premiums, property Налог и Главная insurance.
4. Read the Итого payment и its parts.

Что означает каждое поле

• Down payment – FHA allows 3.5% with a 580+ credit score, или от 10% from 500 до 579.
• Upfront premium – Usually 1.75% от the loan и от normally added до it.
• Annual premium – Charged Ежемесячно. The Ставка depends on loan Размер, Срок и down payment, so confirm it with your lender.

Как читать результаты

• Ежемесячный платёж – Основной долг и interest, mortgage insurance, Налог и insurance.
• Сумма кредита – The Цена minus the down payment, plus the upfront premium.

Формула

Loan = Цена × (1 − down payment) × (1 + upfront premium). Основной долг и Проценты = Loan × r ÷ (1 − (1 + r)^−n). Ежемесячно MIP = Основание loan × annual Ставка ÷ 12.

Пример расчёта

A 350,000 home with 3.5% down — a 337,750 base loan. With a 1.75% upfront premium the loan — 343,661. At 6.5% over 30 лет, Основной долг и interest — 2,172.17; with 154.80 MIP plus tax и insurance the total — about 2,749.89 в месяц.

Допущения и ограничения

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

Частые ошибки

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

Частые вопросы

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