抵押贷款保险计算器 — 公式

Comparing Mortgage Insurance Types

Different loan programs have different insurance structures. Understanding the total cost helps choose the most affordable option.

Conventional PMI

  • Rate: 0.3% to 1.5% annually based on LTV and credit
  • No upfront fee
  • Drops off at 80% LTV (can request) or 78% LTV (automatic)

    • FHA MIP

  • Upfront: 1.75% of loan amount (usually financed)
  • Annual: 0.15% to 1.05% depending on term, LTV, and amount
  • Required for life of loan if down payment < 10%

    • USDA Guarantee Fee

  • Upfront: 1.0% of loan amount
  • Annual: 0.35% of loan amount
  • Required for life of loan

    • 计算示例

    A $300,000 loan on a $333,333 home (90% LTV). Compare over 10 years.

    1. LTV: $300,000 / $333,333 = 90%
    2. Conventional PMI: $300,000 x 0.55% / 12 = $137.50/month
    3. Conventional 10-year total: $137.50 x 120 = $16,500
    4. FHA UFMIP: $300,000 x 1.75% = $5,250
    5. FHA monthly MIP: $300,000 x 0.55% / 12 = $137.50/month
    6. FHA 10-year total: $5,250 + ($137.50 x 120) = $21,750
    7. USDA upfront: $300,000 x 1% = $3,000
    8. USDA monthly: $300,000 x 0.35% / 12 = $87.50/month
    9. USDA 10-year total: $3,000 + ($87.50 x 120) = $13,500