Kalkulator Pinjaman FHA

Estimate your monthly FHA mortgage payments, including Upfront and Annual Mortgage Insurance Premiums (MIP).

Detail Pinjaman

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Min 3.5% (Credit 580+) or 10% (Credit 500-579)

Enter your home price and down payment to see your estimated FHA mortgage payments, including Upfront and Annual MIP.

Complete FHA Loan Guide

What is an FHA Loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. It makes efficient homeownership possible for borrowers with lower credit scores or smaller down payments.

Annual MIP Rates (2024)

Your annual mortgage insurance premium depends on your loan term and loan-to-value (LTV) ratio.

Term > 15 Years LTV Ratio Annual Rate Duration
Most Common > 95% (e.g. 3.5% down) 0.55% Life of Loan
High Down Payment ≤ 90% (e.g. 10% down) 0.50% 11 Years
15-Year Fixed < 90% 0.15% 11 Years

FHA Calculation Formulas

Upfront MIP Formula

UFMIP = Loan Amount × 1.75%

Example: $350,000 × 0.0175 = $6,125

Monthly MIP Formula

Monthly MIP = (Loan × Annual Rate) ÷ 12

Example: ($356,125 × 0.55%) ÷ 12 = $163

FHA Borrower Requirements

Credit Score 580+
Qualifies for the 3.5% down payment.
Credit Score 500-579
Requires a 10% down payment.
Debt-to-Income < 43%
Ideally, but up to 57% is allowed in some cases.
Primary Residence
You must live in the home. No investment properties.

Typical FHA Closing Costs

Expect to pay between 2% and 5% of the loan amount in closing costs. Common fees include:

  • FHA Appraisal Fee ($400-$700)
  • Lender Origination Fee (0.5-1%)
  • Title Insurance & Search
  • Prepaid Property Taxes

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