Calculadora de Empréstimo FHA
Calcule as parcelas e requisitos de empréstimos FHA para compra de imóvel.
Total Monthly Payment (P&I + MIP)
$1,994.55
Total Monthly Payment (P&I + MIP) vs Loan Term
Formula
## 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
Exemplo Resolvido
A $300,000 home with 3.5% down, 6.5% rate, 30-year term, 0.55% annual MIP.
- 01Down payment: $300,000 x 3.5% = $10,500
- 02Base loan: $300,000 - $10,500 = $289,500
- 03UFMIP: $289,500 x 1.75% = $5,066
- 04Total loan: $289,500 + $5,066 = $294,566
- 05Monthly P&I: $294,566 over 360 months at 6.5% = $1,862.25
- 06Monthly MIP: $289,500 x 0.55% / 12 = $132.69
- 07Total monthly: $1,862.25 + $132.69 = $1,994.94
Perguntas Frequentes
Can I remove FHA mortgage insurance?
If your down payment was less than 10%, annual MIP is required for the entire loan term. If you put 10% or more down, MIP drops off after 11 years. The only way to eliminate MIP on a low-down-payment FHA loan is to refinance into a conventional loan once you have 20% equity.
What are FHA loan limits?
FHA loan limits vary by county and are updated annually. In 2025, the floor limit is $498,257 for single-family homes in low-cost areas, and the ceiling is $1,149,825 in high-cost areas. Check HUD website for your county.
How does an FHA loan compare to conventional?
FHA loans are easier to qualify for with lower credit scores and smaller down payments, but they require upfront and annual MIP that can be more expensive than conventional PMI over time. Conventional loans drop PMI at 80% LTV; FHA MIP can last the loan life.