FHA ローン計算ツール
The detailed guide below is currently available in English.
What makes an FHA payment different
FHA loans allow down payments from 3.5%, but the trade is mortgage insurance in two forms: an upfront premium (usually 1.75% of the loan, almost always financed on top of the balance) and an annual premium collected in twelve monthly installments. Both are set by HUD and vary with loan size and term, which is why they get their own fields here.
よくある質問
Can I remove FHA mortgage insurance later?
With less than 10% down, annual MIP generally lasts for the life of the loan; with 10% or more down it ends after 11 years. Many borrowers refinance to a conventional loan once they hold 20% equity.
Who qualifies for an FHA loan?
FHA insures loans for buyers with moderate credit — often scores from 580 up with 3.5% down — through approved lenders. Loan limits are set by county and change yearly.