FHA Darlehens Rechner — Formel
## FHA Loan Overview
FHA loans are government-insured mortgages designed for borrowers with lower credit scores or smaller down payments.
### FHA Mortgage Insurance
- **Upfront MIP (UFMIP)**: 1.75% of the base loan amount, typically financed into the loan
- **Annual MIP**: 0.15% to 1.05% depending on loan term, LTV, and loan amount, paid monthly
### Key FHA Features
- Minimum 3.5% down payment (credit score 580+)
- Minimum 10% down (credit score 500-579)
- More lenient debt-to-income requirements
- MIP required for the life of the loan if down payment is under 10%
- MIP drops after 11 years if down payment is 10% or more
FHA loans are government-insured mortgages designed for borrowers with lower credit scores or smaller down payments.
### FHA Mortgage Insurance
- **Upfront MIP (UFMIP)**: 1.75% of the base loan amount, typically financed into the loan
- **Annual MIP**: 0.15% to 1.05% depending on loan term, LTV, and loan amount, paid monthly
### Key FHA Features
- Minimum 3.5% down payment (credit score 580+)
- Minimum 10% down (credit score 500-579)
- More lenient debt-to-income requirements
- MIP required for the life of the loan if down payment is under 10%
- MIP drops after 11 years if down payment is 10% or more
Lösungsbeispiel
A $300,000 home with 3.5% down, 6.5% rate, 30-year term, 0.55% annual MIP.
- Down payment: $300,000 x 3.5% = $10,500
- Base loan: $300,000 - $10,500 = $289,500
- UFMIP: $289,500 x 1.75% = $5,066
- Total loan: $289,500 + $5,066 = $294,566
- Monthly P&I: $294,566 over 360 months at 6.5% = $1,862.25
- Monthly MIP: $289,500 x 0.55% / 12 = $132.69
- Total monthly: $1,862.25 + $132.69 = $1,994.94