🏡 حاسبة قرض FHA
يتكوّن تأمين الرهن العقاري في قروض FHA من جزأين، والجزء المقدّم يُضاف عادةً إلى القرض. أدخل السعر والدفعة الأولى وسعر الفائدة لترى الجزأين، مع الضريبة والتأمين، مقارنةً بقرض تقليدي.
إجابة سريعة: لمنزل سعره 350,000 دولار بدفعة أولى 3.5% وفائدة 6.25% لمدة 30 سنة، يبلغ قرض FHA مبلغ 343,660.63 دولارًا شاملًا تأمين FHA المقدّم البالغ 5,910.63 دولارًا؛ ويكون القسط الشهري 2,770.78 دولارًا – منها 2,115.98 دولارًا لأصل القرض والفائدة، و154.80 دولارًا للتأمين السنوي (0.55%)، و500 دولار للضريبة والتأمين.
لم يُقيَّم بعد · آخر تحديث · مجانًا · دون تسجيل
مدخلات حاسبة قرض FHA
النتيجة
القسط الشهري لقرض FHA
$2,770.78
$2,115.98 أصل القرض والفائدة + $154.80 تأمين FHA + $500.00 ضريبة وتأمين ورسوم اتحاد الملاك
| الدفعة الأولى | $12,250.00 (3.5%) |
| مبلغ القرض الأساسي | $337,750.00 |
| تأمين FHA المقدّم (1.75%، مضاف إلى القرض) | $5,910.63 |
| إجمالي قرض FHA | $343,660.63 |
| أصل القرض والفائدة | $2,115.98 |
| تأمين FHA السنوي (0.55% سنويًا) | $154.80 شهريًا |
| ضريبة العقار والتأمين ورسوم اتحاد الملاك | $500.00 شهريًا |
- نسبة القرض إلى القيمة
- 96.5%
- مدة تأمين FHA
- طوال مدة القرض
- قسط القرض التقليدي
- $2,803.69
- ما يوفّره قرض FHA شهريًا
- $32.91
قرض FHA مقارنةً بالقرض التقليدي
| قرض FHA | القرض التقليدي | |
|---|---|---|
| سعر الفائدة | 6.25% | 6.5% |
| مبلغ القرض | $343,660.63 | $337,750.00 |
| أصل القرض والفائدة | $2,115.98 | $2,134.81 |
| تأمين الرهن العقاري | $154.80 (تأمين FHA) | $168.88 (تأمين PMI) |
| مدة تأمين الرهن العقاري | 30 سنة | 11 سنةً و10 أشهر |
| إجمالي القسط الشهري | $2,770.78 | $2,803.69 |
| تأمين الرهن العقاري المقدّم | $5,910.63 | $0.00 |
| إجمالي تأمين الرهن العقاري | $42,070.18 | $23,980.96 |
| إجمالي الفوائد | $418,089.65 | $430,781.56 |
يُقدَّر تأمين FHA على الرصيد المجدول للقرض الأساسي؛ أما تأمين PMI فنسبة ثابتة من القرض الأصلي إلى أن يبلغ الرصيد 78% من السعر.
أصل القرضالفائدة
جدول السداد
| السنة | أصل القرض | الفائدة | الرصيد المتبقي |
|---|---|---|---|
| 1 | $4,027.04 | $21,364.72 | $339,633.59 |
| 2 | $4,286.06 | $21,105.70 | $335,347.53 |
| 3 | $4,561.74 | $20,830.02 | $330,785.79 |
| 4 | $4,855.15 | $20,536.61 | $325,930.64 |
| 5 | $5,167.45 | $20,224.31 | $320,763.19 |
| 6 | $5,499.84 | $19,891.92 | $315,263.35 |
| 7 | $5,853.61 | $19,538.15 | $309,409.74 |
| 8 | $6,230.11 | $19,161.65 | $303,179.63 |
| 9 | $6,630.84 | $18,760.92 | $296,548.79 |
| 10 | $7,057.35 | $18,334.41 | $289,491.44 |
| 11 | $7,511.28 | $17,880.48 | $281,980.16 |
| 12 | $7,994.43 | $17,397.33 | $273,985.73 |
| 13 | $8,508.66 | $16,883.10 | $265,477.07 |
| 14 | $9,055.93 | $16,335.83 | $256,421.14 |
| 15 | $9,638.43 | $15,753.33 | $246,782.71 |
| 16 | $10,258.37 | $15,133.39 | $236,524.34 |
| 17 | $10,918.24 | $14,473.52 | $225,606.10 |
| 18 | $11,620.53 | $13,771.23 | $213,985.57 |
| 19 | $12,367.97 | $13,023.79 | $201,617.60 |
| 20 | $13,163.50 | $12,228.26 | $188,454.10 |
| 21 | $14,010.21 | $11,381.55 | $174,443.89 |
| 22 | $14,911.35 | $10,480.41 | $159,532.54 |
| 23 | $15,870.47 | $9,521.29 | $143,662.07 |
| 24 | $16,891.28 | $8,500.48 | $126,770.79 |
| 25 | $17,977.78 | $7,413.98 | $108,793.01 |
| 26 | $19,134.14 | $6,257.62 | $89,658.87 |
| 27 | $20,364.88 | $5,026.88 | $69,293.99 |
| 28 | $21,674.78 | $3,716.98 | $47,619.21 |
| 29 | $23,068.94 | $2,322.82 | $24,550.27 |
| 30 | $24,550.27 | $838.97 | $0.00 |
عرض الجدول الشهري (360 قسطًا)
| # | القسط | أصل القرض | الفائدة | الرصيد المتبقي |
|---|---|---|---|---|
| 1 | $2,115.98 | $326.08 | $1,789.90 | $343,334.55 |
| 2 | $2,115.98 | $327.78 | $1,788.20 | $343,006.77 |
| 3 | $2,115.98 | $329.49 | $1,786.49 | $342,677.28 |
| 4 | $2,115.98 | $331.20 | $1,784.78 | $342,346.08 |
| 5 | $2,115.98 | $332.93 | $1,783.05 | $342,013.15 |
| 6 | $2,115.98 | $334.66 | $1,781.32 | $341,678.49 |
| 7 | $2,115.98 | $336.40 | $1,779.58 | $341,342.09 |
| 8 | $2,115.98 | $338.16 | $1,777.82 | $341,003.93 |
| 9 | $2,115.98 | $339.92 | $1,776.06 | $340,664.01 |
| 10 | $2,115.98 | $341.69 | $1,774.29 | $340,322.32 |
| 11 | $2,115.98 | $343.47 | $1,772.51 | $339,978.85 |
| 12 | $2,115.98 | $345.26 | $1,770.72 | $339,633.59 |
| 13 | $2,115.98 | $347.06 | $1,768.92 | $339,286.53 |
| 14 | $2,115.98 | $348.86 | $1,767.12 | $338,937.67 |
| 15 | $2,115.98 | $350.68 | $1,765.30 | $338,586.99 |
| 16 | $2,115.98 | $352.51 | $1,763.47 | $338,234.48 |
| 17 | $2,115.98 | $354.34 | $1,761.64 | $337,880.14 |
| 18 | $2,115.98 | $356.19 | $1,759.79 | $337,523.95 |
| 19 | $2,115.98 | $358.04 | $1,757.94 | $337,165.91 |
| 20 | $2,115.98 | $359.91 | $1,756.07 | $336,806.00 |
| 21 | $2,115.98 | $361.78 | $1,754.20 | $336,444.22 |
| 22 | $2,115.98 | $363.67 | $1,752.31 | $336,080.55 |
| 23 | $2,115.98 | $365.56 | $1,750.42 | $335,714.99 |
| 24 | $2,115.98 | $367.46 | $1,748.52 | $335,347.53 |
| 25 | $2,115.98 | $369.38 | $1,746.60 | $334,978.15 |
| 26 | $2,115.98 | $371.30 | $1,744.68 | $334,606.85 |
| 27 | $2,115.98 | $373.24 | $1,742.74 | $334,233.61 |
| 28 | $2,115.98 | $375.18 | $1,740.80 | $333,858.43 |
| 29 | $2,115.98 | $377.13 | $1,738.85 | $333,481.30 |
| 30 | $2,115.98 | $379.10 | $1,736.88 | $333,102.20 |
| 31 | $2,115.98 | $381.07 | $1,734.91 | $332,721.13 |
| 32 | $2,115.98 | $383.06 | $1,732.92 | $332,338.07 |
| 33 | $2,115.98 | $385.05 | $1,730.93 | $331,953.02 |
| 34 | $2,115.98 | $387.06 | $1,728.92 | $331,565.96 |
| 35 | $2,115.98 | $389.07 | $1,726.91 | $331,176.89 |
| 36 | $2,115.98 | $391.10 | $1,724.88 | $330,785.79 |
| 37 | $2,115.98 | $393.14 | $1,722.84 | $330,392.65 |
| 38 | $2,115.98 | $395.18 | $1,720.80 | $329,997.47 |
| 39 | $2,115.98 | $397.24 | $1,718.74 | $329,600.23 |
| 40 | $2,115.98 | $399.31 | $1,716.67 | $329,200.92 |
| 41 | $2,115.98 | $401.39 | $1,714.59 | $328,799.53 |
| 42 | $2,115.98 | $403.48 | $1,712.50 | $328,396.05 |
| 43 | $2,115.98 | $405.58 | $1,710.40 | $327,990.47 |
| 44 | $2,115.98 | $407.70 | $1,708.28 | $327,582.77 |
| 45 | $2,115.98 | $409.82 | $1,706.16 | $327,172.95 |
| 46 | $2,115.98 | $411.95 | $1,704.03 | $326,761.00 |
| 47 | $2,115.98 | $414.10 | $1,701.88 | $326,346.90 |
| 48 | $2,115.98 | $416.26 | $1,699.72 | $325,930.64 |
| 49 | $2,115.98 | $418.42 | $1,697.56 | $325,512.22 |
| 50 | $2,115.98 | $420.60 | $1,695.38 | $325,091.62 |
| 51 | $2,115.98 | $422.79 | $1,693.19 | $324,668.83 |
| 52 | $2,115.98 | $425.00 | $1,690.98 | $324,243.83 |
| 53 | $2,115.98 | $427.21 | $1,688.77 | $323,816.62 |
| 54 | $2,115.98 | $429.44 | $1,686.54 | $323,387.18 |
| 55 | $2,115.98 | $431.67 | $1,684.31 | $322,955.51 |
| 56 | $2,115.98 | $433.92 | $1,682.06 | $322,521.59 |
| 57 | $2,115.98 | $436.18 | $1,679.80 | $322,085.41 |
| 58 | $2,115.98 | $438.45 | $1,677.53 | $321,646.96 |
| 59 | $2,115.98 | $440.74 | $1,675.24 | $321,206.22 |
| 60 | $2,115.98 | $443.03 | $1,672.95 | $320,763.19 |
| 61 | $2,115.98 | $445.34 | $1,670.64 | $320,317.85 |
| 62 | $2,115.98 | $447.66 | $1,668.32 | $319,870.19 |
| 63 | $2,115.98 | $449.99 | $1,665.99 | $319,420.20 |
| 64 | $2,115.98 | $452.33 | $1,663.65 | $318,967.87 |
| 65 | $2,115.98 | $454.69 | $1,661.29 | $318,513.18 |
| 66 | $2,115.98 | $457.06 | $1,658.92 | $318,056.12 |
| 67 | $2,115.98 | $459.44 | $1,656.54 | $317,596.68 |
| 68 | $2,115.98 | $461.83 | $1,654.15 | $317,134.85 |
| 69 | $2,115.98 | $464.24 | $1,651.74 | $316,670.61 |
| 70 | $2,115.98 | $466.65 | $1,649.33 | $316,203.96 |
| 71 | $2,115.98 | $469.08 | $1,646.90 | $315,734.88 |
| 72 | $2,115.98 | $471.53 | $1,644.45 | $315,263.35 |
| 73 | $2,115.98 | $473.98 | $1,642.00 | $314,789.37 |
| 74 | $2,115.98 | $476.45 | $1,639.53 | $314,312.92 |
| 75 | $2,115.98 | $478.93 | $1,637.05 | $313,833.99 |
| 76 | $2,115.98 | $481.43 | $1,634.55 | $313,352.56 |
| 77 | $2,115.98 | $483.94 | $1,632.04 | $312,868.62 |
| 78 | $2,115.98 | $486.46 | $1,629.52 | $312,382.16 |
| 79 | $2,115.98 | $488.99 | $1,626.99 | $311,893.17 |
| 80 | $2,115.98 | $491.54 | $1,624.44 | $311,401.63 |
| 81 | $2,115.98 | $494.10 | $1,621.88 | $310,907.53 |
| 82 | $2,115.98 | $496.67 | $1,619.31 | $310,410.86 |
| 83 | $2,115.98 | $499.26 | $1,616.72 | $309,911.60 |
| 84 | $2,115.98 | $501.86 | $1,614.12 | $309,409.74 |
| 85 | $2,115.98 | $504.47 | $1,611.51 | $308,905.27 |
| 86 | $2,115.98 | $507.10 | $1,608.88 | $308,398.17 |
| 87 | $2,115.98 | $509.74 | $1,606.24 | $307,888.43 |
| 88 | $2,115.98 | $512.39 | $1,603.59 | $307,376.04 |
| 89 | $2,115.98 | $515.06 | $1,600.92 | $306,860.98 |
| 90 | $2,115.98 | $517.75 | $1,598.23 | $306,343.23 |
| 91 | $2,115.98 | $520.44 | $1,595.54 | $305,822.79 |
| 92 | $2,115.98 | $523.15 | $1,592.83 | $305,299.64 |
| 93 | $2,115.98 | $525.88 | $1,590.10 | $304,773.76 |
| 94 | $2,115.98 | $528.62 | $1,587.36 | $304,245.14 |
| 95 | $2,115.98 | $531.37 | $1,584.61 | $303,713.77 |
| 96 | $2,115.98 | $534.14 | $1,581.84 | $303,179.63 |
| 97 | $2,115.98 | $536.92 | $1,579.06 | $302,642.71 |
| 98 | $2,115.98 | $539.72 | $1,576.26 | $302,102.99 |
| 99 | $2,115.98 | $542.53 | $1,573.45 | $301,560.46 |
| 100 | $2,115.98 | $545.35 | $1,570.63 | $301,015.11 |
| 101 | $2,115.98 | $548.19 | $1,567.79 | $300,466.92 |
| 102 | $2,115.98 | $551.05 | $1,564.93 | $299,915.87 |
| 103 | $2,115.98 | $553.92 | $1,562.06 | $299,361.95 |
| 104 | $2,115.98 | $556.80 | $1,559.18 | $298,805.15 |
| 105 | $2,115.98 | $559.70 | $1,556.28 | $298,245.45 |
| 106 | $2,115.98 | $562.62 | $1,553.36 | $297,682.83 |
| 107 | $2,115.98 | $565.55 | $1,550.43 | $297,117.28 |
| 108 | $2,115.98 | $568.49 | $1,547.49 | $296,548.79 |
| 109 | $2,115.98 | $571.46 | $1,544.52 | $295,977.33 |
| 110 | $2,115.98 | $574.43 | $1,541.55 | $295,402.90 |
| 111 | $2,115.98 | $577.42 | $1,538.56 | $294,825.48 |
| 112 | $2,115.98 | $580.43 | $1,535.55 | $294,245.05 |
| 113 | $2,115.98 | $583.45 | $1,532.53 | $293,661.60 |
| 114 | $2,115.98 | $586.49 | $1,529.49 | $293,075.11 |
| 115 | $2,115.98 | $589.55 | $1,526.43 | $292,485.56 |
| 116 | $2,115.98 | $592.62 | $1,523.36 | $291,892.94 |
| 117 | $2,115.98 | $595.70 | $1,520.28 | $291,297.24 |
| 118 | $2,115.98 | $598.81 | $1,517.17 | $290,698.43 |
| 119 | $2,115.98 | $601.93 | $1,514.05 | $290,096.50 |
| 120 | $2,115.98 | $605.06 | $1,510.92 | $289,491.44 |
| 121 | $2,115.98 | $608.21 | $1,507.77 | $288,883.23 |
| 122 | $2,115.98 | $611.38 | $1,504.60 | $288,271.85 |
| 123 | $2,115.98 | $614.56 | $1,501.42 | $287,657.29 |
| 124 | $2,115.98 | $617.76 | $1,498.22 | $287,039.53 |
| 125 | $2,115.98 | $620.98 | $1,495.00 | $286,418.55 |
| 126 | $2,115.98 | $624.22 | $1,491.76 | $285,794.33 |
| 127 | $2,115.98 | $627.47 | $1,488.51 | $285,166.86 |
| 128 | $2,115.98 | $630.74 | $1,485.24 | $284,536.12 |
| 129 | $2,115.98 | $634.02 | $1,481.96 | $283,902.10 |
| 130 | $2,115.98 | $637.32 | $1,478.66 | $283,264.78 |
| 131 | $2,115.98 | $640.64 | $1,475.34 | $282,624.14 |
| 132 | $2,115.98 | $643.98 | $1,472.00 | $281,980.16 |
| 133 | $2,115.98 | $647.33 | $1,468.65 | $281,332.83 |
| 134 | $2,115.98 | $650.70 | $1,465.28 | $280,682.13 |
| 135 | $2,115.98 | $654.09 | $1,461.89 | $280,028.04 |
| 136 | $2,115.98 | $657.50 | $1,458.48 | $279,370.54 |
| 137 | $2,115.98 | $660.93 | $1,455.05 | $278,709.61 |
| 138 | $2,115.98 | $664.37 | $1,451.61 | $278,045.24 |
| 139 | $2,115.98 | $667.83 | $1,448.15 | $277,377.41 |
| 140 | $2,115.98 | $671.31 | $1,444.67 | $276,706.10 |
| 141 | $2,115.98 | $674.80 | $1,441.18 | $276,031.30 |
| 142 | $2,115.98 | $678.32 | $1,437.66 | $275,352.98 |
| 143 | $2,115.98 | $681.85 | $1,434.13 | $274,671.13 |
| 144 | $2,115.98 | $685.40 | $1,430.58 | $273,985.73 |
| 145 | $2,115.98 | $688.97 | $1,427.01 | $273,296.76 |
| 146 | $2,115.98 | $692.56 | $1,423.42 | $272,604.20 |
| 147 | $2,115.98 | $696.17 | $1,419.81 | $271,908.03 |
| 148 | $2,115.98 | $699.79 | $1,416.19 | $271,208.24 |
| 149 | $2,115.98 | $703.44 | $1,412.54 | $270,504.80 |
| 150 | $2,115.98 | $707.10 | $1,408.88 | $269,797.70 |
| 151 | $2,115.98 | $710.78 | $1,405.20 | $269,086.92 |
| 152 | $2,115.98 | $714.49 | $1,401.49 | $268,372.43 |
| 153 | $2,115.98 | $718.21 | $1,397.77 | $267,654.22 |
| 154 | $2,115.98 | $721.95 | $1,394.03 | $266,932.27 |
| 155 | $2,115.98 | $725.71 | $1,390.27 | $266,206.56 |
| 156 | $2,115.98 | $729.49 | $1,386.49 | $265,477.07 |
| 157 | $2,115.98 | $733.29 | $1,382.69 | $264,743.78 |
| 158 | $2,115.98 | $737.11 | $1,378.87 | $264,006.67 |
| 159 | $2,115.98 | $740.95 | $1,375.03 | $263,265.72 |
| 160 | $2,115.98 | $744.80 | $1,371.18 | $262,520.92 |
| 161 | $2,115.98 | $748.68 | $1,367.30 | $261,772.24 |
| 162 | $2,115.98 | $752.58 | $1,363.40 | $261,019.66 |
| 163 | $2,115.98 | $756.50 | $1,359.48 | $260,263.16 |
| 164 | $2,115.98 | $760.44 | $1,355.54 | $259,502.72 |
| 165 | $2,115.98 | $764.40 | $1,351.58 | $258,738.32 |
| 166 | $2,115.98 | $768.38 | $1,347.60 | $257,969.94 |
| 167 | $2,115.98 | $772.39 | $1,343.59 | $257,197.55 |
| 168 | $2,115.98 | $776.41 | $1,339.57 | $256,421.14 |
| 169 | $2,115.98 | $780.45 | $1,335.53 | $255,640.69 |
| 170 | $2,115.98 | $784.52 | $1,331.46 | $254,856.17 |
| 171 | $2,115.98 | $788.60 | $1,327.38 | $254,067.57 |
| 172 | $2,115.98 | $792.71 | $1,323.27 | $253,274.86 |
| 173 | $2,115.98 | $796.84 | $1,319.14 | $252,478.02 |
| 174 | $2,115.98 | $800.99 | $1,314.99 | $251,677.03 |
| 175 | $2,115.98 | $805.16 | $1,310.82 | $250,871.87 |
| 176 | $2,115.98 | $809.36 | $1,306.62 | $250,062.51 |
| 177 | $2,115.98 | $813.57 | $1,302.41 | $249,248.94 |
| 178 | $2,115.98 | $817.81 | $1,298.17 | $248,431.13 |
| 179 | $2,115.98 | $822.07 | $1,293.91 | $247,609.06 |
| 180 | $2,115.98 | $826.35 | $1,289.63 | $246,782.71 |
| 181 | $2,115.98 | $830.65 | $1,285.33 | $245,952.06 |
| 182 | $2,115.98 | $834.98 | $1,281.00 | $245,117.08 |
| 183 | $2,115.98 | $839.33 | $1,276.65 | $244,277.75 |
| 184 | $2,115.98 | $843.70 | $1,272.28 | $243,434.05 |
| 185 | $2,115.98 | $848.09 | $1,267.89 | $242,585.96 |
| 186 | $2,115.98 | $852.51 | $1,263.47 | $241,733.45 |
| 187 | $2,115.98 | $856.95 | $1,259.03 | $240,876.50 |
| 188 | $2,115.98 | $861.41 | $1,254.57 | $240,015.09 |
| 189 | $2,115.98 | $865.90 | $1,250.08 | $239,149.19 |
| 190 | $2,115.98 | $870.41 | $1,245.57 | $238,278.78 |
| 191 | $2,115.98 | $874.94 | $1,241.04 | $237,403.84 |
| 192 | $2,115.98 | $879.50 | $1,236.48 | $236,524.34 |
| 193 | $2,115.98 | $884.08 | $1,231.90 | $235,640.26 |
| 194 | $2,115.98 | $888.69 | $1,227.29 | $234,751.57 |
| 195 | $2,115.98 | $893.32 | $1,222.66 | $233,858.25 |
| 196 | $2,115.98 | $897.97 | $1,218.01 | $232,960.28 |
| 197 | $2,115.98 | $902.65 | $1,213.33 | $232,057.63 |
| 198 | $2,115.98 | $907.35 | $1,208.63 | $231,150.28 |
| 199 | $2,115.98 | $912.07 | $1,203.91 | $230,238.21 |
| 200 | $2,115.98 | $916.82 | $1,199.16 | $229,321.39 |
| 201 | $2,115.98 | $921.60 | $1,194.38 | $228,399.79 |
| 202 | $2,115.98 | $926.40 | $1,189.58 | $227,473.39 |
| 203 | $2,115.98 | $931.22 | $1,184.76 | $226,542.17 |
| 204 | $2,115.98 | $936.07 | $1,179.91 | $225,606.10 |
| 205 | $2,115.98 | $940.95 | $1,175.03 | $224,665.15 |
| 206 | $2,115.98 | $945.85 | $1,170.13 | $223,719.30 |
| 207 | $2,115.98 | $950.78 | $1,165.20 | $222,768.52 |
| 208 | $2,115.98 | $955.73 | $1,160.25 | $221,812.79 |
| 209 | $2,115.98 | $960.71 | $1,155.27 | $220,852.08 |
| 210 | $2,115.98 | $965.71 | $1,150.27 | $219,886.37 |
| 211 | $2,115.98 | $970.74 | $1,145.24 | $218,915.63 |
| 212 | $2,115.98 | $975.79 | $1,140.19 | $217,939.84 |
| 213 | $2,115.98 | $980.88 | $1,135.10 | $216,958.96 |
| 214 | $2,115.98 | $985.99 | $1,129.99 | $215,972.97 |
| 215 | $2,115.98 | $991.12 | $1,124.86 | $214,981.85 |
| 216 | $2,115.98 | $996.28 | $1,119.70 | $213,985.57 |
| 217 | $2,115.98 | $1,001.47 | $1,114.51 | $212,984.10 |
| 218 | $2,115.98 | $1,006.69 | $1,109.29 | $211,977.41 |
| 219 | $2,115.98 | $1,011.93 | $1,104.05 | $210,965.48 |
| 220 | $2,115.98 | $1,017.20 | $1,098.78 | $209,948.28 |
| 221 | $2,115.98 | $1,022.50 | $1,093.48 | $208,925.78 |
| 222 | $2,115.98 | $1,027.82 | $1,088.16 | $207,897.96 |
| 223 | $2,115.98 | $1,033.18 | $1,082.80 | $206,864.78 |
| 224 | $2,115.98 | $1,038.56 | $1,077.42 | $205,826.22 |
| 225 | $2,115.98 | $1,043.97 | $1,072.01 | $204,782.25 |
| 226 | $2,115.98 | $1,049.41 | $1,066.57 | $203,732.84 |
| 227 | $2,115.98 | $1,054.87 | $1,061.11 | $202,677.97 |
| 228 | $2,115.98 | $1,060.37 | $1,055.61 | $201,617.60 |
| 229 | $2,115.98 | $1,065.89 | $1,050.09 | $200,551.71 |
| 230 | $2,115.98 | $1,071.44 | $1,044.54 | $199,480.27 |
| 231 | $2,115.98 | $1,077.02 | $1,038.96 | $198,403.25 |
| 232 | $2,115.98 | $1,082.63 | $1,033.35 | $197,320.62 |
| 233 | $2,115.98 | $1,088.27 | $1,027.71 | $196,232.35 |
| 234 | $2,115.98 | $1,093.94 | $1,022.04 | $195,138.41 |
| 235 | $2,115.98 | $1,099.63 | $1,016.35 | $194,038.78 |
| 236 | $2,115.98 | $1,105.36 | $1,010.62 | $192,933.42 |
| 237 | $2,115.98 | $1,111.12 | $1,004.86 | $191,822.30 |
| 238 | $2,115.98 | $1,116.91 | $999.07 | $190,705.39 |
| 239 | $2,115.98 | $1,122.72 | $993.26 | $189,582.67 |
| 240 | $2,115.98 | $1,128.57 | $987.41 | $188,454.10 |
| 241 | $2,115.98 | $1,134.45 | $981.53 | $187,319.65 |
| 242 | $2,115.98 | $1,140.36 | $975.62 | $186,179.29 |
| 243 | $2,115.98 | $1,146.30 | $969.68 | $185,032.99 |
| 244 | $2,115.98 | $1,152.27 | $963.71 | $183,880.72 |
| 245 | $2,115.98 | $1,158.27 | $957.71 | $182,722.45 |
| 246 | $2,115.98 | $1,164.30 | $951.68 | $181,558.15 |
| 247 | $2,115.98 | $1,170.36 | $945.62 | $180,387.79 |
| 248 | $2,115.98 | $1,176.46 | $939.52 | $179,211.33 |
| 249 | $2,115.98 | $1,182.59 | $933.39 | $178,028.74 |
| 250 | $2,115.98 | $1,188.75 | $927.23 | $176,839.99 |
| 251 | $2,115.98 | $1,194.94 | $921.04 | $175,645.05 |
| 252 | $2,115.98 | $1,201.16 | $914.82 | $174,443.89 |
| 253 | $2,115.98 | $1,207.42 | $908.56 | $173,236.47 |
| 254 | $2,115.98 | $1,213.71 | $902.27 | $172,022.76 |
| 255 | $2,115.98 | $1,220.03 | $895.95 | $170,802.73 |
| 256 | $2,115.98 | $1,226.38 | $889.60 | $169,576.35 |
| 257 | $2,115.98 | $1,232.77 | $883.21 | $168,343.58 |
| 258 | $2,115.98 | $1,239.19 | $876.79 | $167,104.39 |
| 259 | $2,115.98 | $1,245.64 | $870.34 | $165,858.75 |
| 260 | $2,115.98 | $1,252.13 | $863.85 | $164,606.62 |
| 261 | $2,115.98 | $1,258.65 | $857.33 | $163,347.97 |
| 262 | $2,115.98 | $1,265.21 | $850.77 | $162,082.76 |
| 263 | $2,115.98 | $1,271.80 | $844.18 | $160,810.96 |
| 264 | $2,115.98 | $1,278.42 | $837.56 | $159,532.54 |
| 265 | $2,115.98 | $1,285.08 | $830.90 | $158,247.46 |
| 266 | $2,115.98 | $1,291.77 | $824.21 | $156,955.69 |
| 267 | $2,115.98 | $1,298.50 | $817.48 | $155,657.19 |
| 268 | $2,115.98 | $1,305.27 | $810.71 | $154,351.92 |
| 269 | $2,115.98 | $1,312.06 | $803.92 | $153,039.86 |
| 270 | $2,115.98 | $1,318.90 | $797.08 | $151,720.96 |
| 271 | $2,115.98 | $1,325.77 | $790.21 | $150,395.19 |
| 272 | $2,115.98 | $1,332.67 | $783.31 | $149,062.52 |
| 273 | $2,115.98 | $1,339.61 | $776.37 | $147,722.91 |
| 274 | $2,115.98 | $1,346.59 | $769.39 | $146,376.32 |
| 275 | $2,115.98 | $1,353.60 | $762.38 | $145,022.72 |
| 276 | $2,115.98 | $1,360.65 | $755.33 | $143,662.07 |
| 277 | $2,115.98 | $1,367.74 | $748.24 | $142,294.33 |
| 278 | $2,115.98 | $1,374.86 | $741.12 | $140,919.47 |
| 279 | $2,115.98 | $1,382.02 | $733.96 | $139,537.45 |
| 280 | $2,115.98 | $1,389.22 | $726.76 | $138,148.23 |
| 281 | $2,115.98 | $1,396.46 | $719.52 | $136,751.77 |
| 282 | $2,115.98 | $1,403.73 | $712.25 | $135,348.04 |
| 283 | $2,115.98 | $1,411.04 | $704.94 | $133,937.00 |
| 284 | $2,115.98 | $1,418.39 | $697.59 | $132,518.61 |
| 285 | $2,115.98 | $1,425.78 | $690.20 | $131,092.83 |
| 286 | $2,115.98 | $1,433.20 | $682.78 | $129,659.63 |
| 287 | $2,115.98 | $1,440.67 | $675.31 | $128,218.96 |
| 288 | $2,115.98 | $1,448.17 | $667.81 | $126,770.79 |
| 289 | $2,115.98 | $1,455.72 | $660.26 | $125,315.07 |
| 290 | $2,115.98 | $1,463.30 | $652.68 | $123,851.77 |
| 291 | $2,115.98 | $1,470.92 | $645.06 | $122,380.85 |
| 292 | $2,115.98 | $1,478.58 | $637.40 | $120,902.27 |
| 293 | $2,115.98 | $1,486.28 | $629.70 | $119,415.99 |
| 294 | $2,115.98 | $1,494.02 | $621.96 | $117,921.97 |
| 295 | $2,115.98 | $1,501.80 | $614.18 | $116,420.17 |
| 296 | $2,115.98 | $1,509.62 | $606.36 | $114,910.55 |
| 297 | $2,115.98 | $1,517.49 | $598.49 | $113,393.06 |
| 298 | $2,115.98 | $1,525.39 | $590.59 | $111,867.67 |
| 299 | $2,115.98 | $1,533.34 | $582.64 | $110,334.33 |
| 300 | $2,115.98 | $1,541.32 | $574.66 | $108,793.01 |
| 301 | $2,115.98 | $1,549.35 | $566.63 | $107,243.66 |
| 302 | $2,115.98 | $1,557.42 | $558.56 | $105,686.24 |
| 303 | $2,115.98 | $1,565.53 | $550.45 | $104,120.71 |
| 304 | $2,115.98 | $1,573.68 | $542.30 | $102,547.03 |
| 305 | $2,115.98 | $1,581.88 | $534.10 | $100,965.15 |
| 306 | $2,115.98 | $1,590.12 | $525.86 | $99,375.03 |
| 307 | $2,115.98 | $1,598.40 | $517.58 | $97,776.63 |
| 308 | $2,115.98 | $1,606.73 | $509.25 | $96,169.90 |
| 309 | $2,115.98 | $1,615.10 | $500.88 | $94,554.80 |
| 310 | $2,115.98 | $1,623.51 | $492.47 | $92,931.29 |
| 311 | $2,115.98 | $1,631.96 | $484.02 | $91,299.33 |
| 312 | $2,115.98 | $1,640.46 | $475.52 | $89,658.87 |
| 313 | $2,115.98 | $1,649.01 | $466.97 | $88,009.86 |
| 314 | $2,115.98 | $1,657.60 | $458.38 | $86,352.26 |
| 315 | $2,115.98 | $1,666.23 | $449.75 | $84,686.03 |
| 316 | $2,115.98 | $1,674.91 | $441.07 | $83,011.12 |
| 317 | $2,115.98 | $1,683.63 | $432.35 | $81,327.49 |
| 318 | $2,115.98 | $1,692.40 | $423.58 | $79,635.09 |
| 319 | $2,115.98 | $1,701.21 | $414.77 | $77,933.88 |
| 320 | $2,115.98 | $1,710.07 | $405.91 | $76,223.81 |
| 321 | $2,115.98 | $1,718.98 | $397.00 | $74,504.83 |
| 322 | $2,115.98 | $1,727.93 | $388.05 | $72,776.90 |
| 323 | $2,115.98 | $1,736.93 | $379.05 | $71,039.97 |
| 324 | $2,115.98 | $1,745.98 | $370.00 | $69,293.99 |
| 325 | $2,115.98 | $1,755.07 | $360.91 | $67,538.92 |
| 326 | $2,115.98 | $1,764.21 | $351.77 | $65,774.71 |
| 327 | $2,115.98 | $1,773.40 | $342.58 | $64,001.31 |
| 328 | $2,115.98 | $1,782.64 | $333.34 | $62,218.67 |
| 329 | $2,115.98 | $1,791.92 | $324.06 | $60,426.75 |
| 330 | $2,115.98 | $1,801.26 | $314.72 | $58,625.49 |
| 331 | $2,115.98 | $1,810.64 | $305.34 | $56,814.85 |
| 332 | $2,115.98 | $1,820.07 | $295.91 | $54,994.78 |
| 333 | $2,115.98 | $1,829.55 | $286.43 | $53,165.23 |
| 334 | $2,115.98 | $1,839.08 | $276.90 | $51,326.15 |
| 335 | $2,115.98 | $1,848.66 | $267.32 | $49,477.49 |
| 336 | $2,115.98 | $1,858.28 | $257.70 | $47,619.21 |
| 337 | $2,115.98 | $1,867.96 | $248.02 | $45,751.25 |
| 338 | $2,115.98 | $1,877.69 | $238.29 | $43,873.56 |
| 339 | $2,115.98 | $1,887.47 | $228.51 | $41,986.09 |
| 340 | $2,115.98 | $1,897.30 | $218.68 | $40,088.79 |
| 341 | $2,115.98 | $1,907.18 | $208.80 | $38,181.61 |
| 342 | $2,115.98 | $1,917.12 | $198.86 | $36,264.49 |
| 343 | $2,115.98 | $1,927.10 | $188.88 | $34,337.39 |
| 344 | $2,115.98 | $1,937.14 | $178.84 | $32,400.25 |
| 345 | $2,115.98 | $1,947.23 | $168.75 | $30,453.02 |
| 346 | $2,115.98 | $1,957.37 | $158.61 | $28,495.65 |
| 347 | $2,115.98 | $1,967.57 | $148.41 | $26,528.08 |
| 348 | $2,115.98 | $1,977.81 | $138.17 | $24,550.27 |
| 349 | $2,115.98 | $1,988.11 | $127.87 | $22,562.16 |
| 350 | $2,115.98 | $1,998.47 | $117.51 | $20,563.69 |
| 351 | $2,115.98 | $2,008.88 | $107.10 | $18,554.81 |
| 352 | $2,115.98 | $2,019.34 | $96.64 | $16,535.47 |
| 353 | $2,115.98 | $2,029.86 | $86.12 | $14,505.61 |
| 354 | $2,115.98 | $2,040.43 | $75.55 | $12,465.18 |
| 355 | $2,115.98 | $2,051.06 | $64.92 | $10,414.12 |
| 356 | $2,115.98 | $2,061.74 | $54.24 | $8,352.38 |
| 357 | $2,115.98 | $2,072.48 | $43.50 | $6,279.90 |
| 358 | $2,115.98 | $2,083.27 | $32.71 | $4,196.63 |
| 359 | $2,115.98 | $2,094.12 | $21.86 | $2,102.51 |
| 360 | $2,113.46 | $2,102.51 | $10.95 | $0.00 |
إدخال أرقامك
- أدخل سعر المنزل والدفعة الأولى (3.5% على الأقل مع تصنيف ائتماني 580 فأكثر).
- أدخل سعر فائدة FHA، ومدة القرض، وضريبة العقار السنوية، وتأمين المسكن، ورسوم اتحاد الملاك إن وُجدت.
- افتح قسم المقارنة بالقرض التقليدي لتحدد سعر فائدة القرض التقليدي ونسبة تأمين PMI وتقارن بينهما جنبًا إلى جنب.
معادلة قسط قرض FHA
القرض الأساسي = السعر − الدفعة الأولى · التأمين المقدّم = القرض الأساسي × 1.75%
القرض = القرض الأساسي + التأمين المقدّم · أصل القرض والفائدة = L × r(1+r)n ÷ ((1+r)n − 1)
التأمين الشهري = القرض الأساسي × نسبة التأمين السنوي ÷ 12
مثال محلول
منزل سعره 350,000 دولار بدفعة أولى 3.5% (12,250 دولارًا): القرض الأساسي 337,750 دولارًا، والتأمين المقدّم 5,910.63 دولارًا، وإجمالي القرض 343,660.63 دولارًا. وبفائدة 6.25% لمدة 30 سنة يبلغ قسط أصل القرض والفائدة 2,115.98 دولارًا. ونسبة القرض إلى القيمة 96.5% (أكثر من 95%)، فيكون التأمين السنوي 0.55%: 337,750 × 0.55% ÷ 12 = 154.80 دولارًا. وبإضافة 350 دولارًا ضريبة عقار و150 دولارًا تأمينًا شهريًا يصبح القسط 2,770.78 دولارًا.
نسب تأمين FHA السنوي
| المدة | القرض الأساسي | نسبة القرض إلى القيمة | التأمين السنوي | مدة التأمين |
|---|---|---|---|---|
| أكثر من 15 سنة | ≤ 726,200 دولار | > 95% | 0.55% | مدة القرض |
| أكثر من 15 سنة | ≤ 726,200 دولار | 90–95% | 0.50% | مدة القرض |
| أكثر من 15 سنة | ≤ 726,200 دولار | ≤ 90% | 0.50% | 11 سنة |
| أكثر من 15 سنة | > 726,200 دولار | > 95% / ≤ 95% | 0.75% / 0.70% | مدة القرض، أو 11 سنة إذا كانت النسبة ≤ 90% |
| 15 سنة أو أقل | ≤ 726,200 دولار | > 90% / ≤ 90% | 0.40% / 0.15% | مدة القرض / 11 سنة |
| 15 سنة أو أقل | > 726,200 دولار | > 90% / 78–90% / ≤ 78% | 0.65% / 0.40% / 0.15% | مدة القرض / 11 سنة / 11 سنة |
نسبة التأمين المقدّم 1.75% لجميع قروض الشراء. وتتراوح حدود قروض FHA لعام 2026 للمساكن المكوّنة من وحدة واحدة بين 541,287 و1,249,125 دولارًا بحسب المقاطعة.
المصادر: وزارة الإسكان والتنمية الحضرية الأمريكية – خطاب المُقرضين رقم 2023-05 (التأمين السنوي، المعمول به لأرقام الملفات منذ 20 مارس 2023)، والدليل 4000.1، وخطاب المُقرضين رقم 2025-23 (حدود القروض لعام 2026).
تقديرات لأغراض تعليمية، وليست استشارة مالية.
الأسئلة الشائعة
ما الحد الأدنى للدفعة الأولى في قرض FHA؟
3.5% من السعر إذا كان تصنيفك الائتماني 580 فأكثر، أو 10% إذا كان بين 500 و579. ويجوز أن تغطي الهبات المالية من الأهل الدفعة الأولى.
كم يبلغ تأمين الرهن العقاري في قرض FHA؟
تدفع قسط تأمين مقدّمًا بنسبة 1.75% من القرض الأساسي، يُضاف عادةً إلى القرض، إضافة إلى قسط تأمين سنوي يُدفع شهريًا. ويبلغ في معظم القروض لمدة 30 سنة 0.55% سنويًا إذا قلّت الدفعة الأولى عن 5%، و0.50% إذا بلغت 5% أو أكثر (و0.70–0.75% للقروض التي تتجاوز 726,200 دولار).
هل يمكن إلغاء تأمين قرض FHA؟
إذا دفعت 10% على الأقل مقدّمًا، ينتهي التأمين السنوي بعد 11 سنة. أما إذا كانت الدفعة أقل من 10% فيستمر طوال مدة القرض، والطريقة المعتادة للتخلص منه هي إعادة التمويل بقرض تقليدي بعد أن تبلغ حقوق ملكيتك 20%.
ما حدود قروض FHA لعام 2026؟
للمسكن المكوّن من وحدة واحدة، يتراوح حد قرض FHA لعام 2026 بين 541,287 دولارًا في معظم المقاطعات و1,249,125 دولارًا في المناطق مرتفعة التكلفة (خطاب المُقرضين رقم 2025-23 الصادر عن وزارة الإسكان والتنمية الحضرية الأمريكية). وتحقق من حد مقاطعتك في صفحة حدود قروض FHA لدى الوزارة.
هل قرض FHA أرخص من القرض التقليدي؟
غالبًا ما يكون كذلك لأصحاب التصنيف الائتماني المنخفض أو الدفعة الأولى الصغيرة، لأن أسعار فائدة FHA أقل عادةً ولا يرتفع التأمين مع ضعف التصنيف. أما مع تصنيف جيد ودفعة أولى 5% فأكثر، فكثيرًا ما يكون القرض التقليدي الذي يمكن إلغاء تأمينه PMI أرخص على المدى الطويل.
قيّم حاسبة قرض FHA
لا نعرض سوى متوسط التقييم. تصل بلاغات الأخطاء مباشرةً إلى بريدنا لنتحقق منها ونصححها. اطّلع على المنهجية و سياسة الخصوصية.