FHA loan calculator
每月 payment on a US FHA mortgage including the upfront 和 annual mortgage insurance premiums.
关于FHA loan calculator
每月 payment on a US FHA mortgage including the upfront 和 annual mortgage insurance premiums.
属于 SmartCalcy“房贷与房地产”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用FHA loan calculator
它计算什么，何时使用
Estimate the 每月 payment on a US FHA mortgage、including the upfront、annual mortgage insurance premiums that make FHA different 从 a conventional loan.
使用步骤
- Enter the 价格 和 your down payment 百分比.
- Enter the 利息 利率 和 loan 期限.
- Check the insurance premiums、property 税款、首页 insurance.
- Read the 总计 payment 和 its parts.
各输入项的含义
- Down payment – FHA allows 3.5% with a 580+ credit score, 或 10% from 500 至 579.
- Upfront premium – the loan 和 normally added 至 it. 的 Usually 1.75%
- Annual premium – Charged 每月. The 利率 depends on loan 大小、期限、down payment, so confirm it with your lender.
如何阅读结果
- 月供 – 本金 和 interest、mortgage insurance, 税款、insurance.
- 贷款金额 – The 价格 minus the down payment, plus the upfront premium.
公式
Loan = 价格 × (1 − down payment) × (1 + upfront premium). 本金 和 利息 = Loan × r ÷ (1 − (1 + r)^−n). 每月 MIP = 底 loan × annual 利率 ÷ 12.
计算示例
A 350,000 home with 3.5% down 是 a 337,750 base loan. With a 1.75% upfront premium the loan 是 343,661. At 6.5% over 30 年、本金、interest 是 2,172.17; with 154.80 MIP plus tax 和 insurance the total 是 每月 about 2,749.89.
假设与局限
- FHA premiums、loan limits、rules are set by HUD 和 change. Treat the defaults as editable 和 check current values.
- MIP 是 calculated on the base loan, a simplification HUD’s method.
常见错误
- Ignoring that MIP 罐 last件the life the loan with under 10% down.
- Forgetting loan limits that vary by county.
常见问题
When 罐 I 移除 FHA mortgage insurance?
With 10% 或 more down it normally ends after 11 years. With less, it normally lasts件the life the loan, so many borrowers refinance later.
Is FHA cheaper than conventional?
It depends on your credit score 和 第 down payment. Compare bo 次.
相关工具
详情
- 本金 和 利息
- £2,172.17
- Annual MIP, 每月
- £154.80
- Property 税款
- £320.83
- 首页 insurance
- £102.08
- Down payment
- £12,250.00
- 总利息
- £438,320.19