🏡 Kalkulator KPR FHA

Asuransi hipotek FHA terdiri atas dua bagian, dan bagian yang dibayar di muka biasanya ditambahkan ke pinjaman. Masukkan harga rumah, uang muka, dan suku bunga untuk melihat keduanya, ditambah pajak dan asuransi, dibandingkan dengan pinjaman konvensional.

Jawaban singkat: Untuk rumah seharga $350.000 dengan DP 3,5%, bunga 6,25%, dan tenor 30 tahun, pinjaman FHA menjadi $343.660,63 termasuk MIP di muka $5.910,63; angsuran per bulan $2.770,78 – terdiri atas pokok dan bunga $2.115,98, MIP tahunan $154,80 (0,55%), serta pajak dan asuransi $500.

Belum ada penilaian · Diperbarui 17 Oktober 2026 · Gratis · Tanpa daftar

Angsuran FHA per bulan

$2.770,78

$2.115,98 pokok & bunga + $154,80 MIP + $500,00 pajak, asuransi & HOA

Uang muka	$12.250,00 (3,5%)
Pinjaman pokok	$337.750,00
MIP di muka (1,75%, ditambahkan ke pinjaman)	$5.910,63
Total pinjaman FHA	$343.660,63
Pokok & bunga	$2.115,98
MIP tahunan (0,55% per tahun)	$154,80 / bulan
Pajak properti, asuransi & HOA	$500,00 / bulan

Rasio pinjaman terhadap nilai (LTV): 96,5%
MIP berlaku selama: Seluruh masa pinjaman
Angsuran pinjaman konvensional: $2.803,69
Hemat per bulan dengan FHA: $32,91

FHA dibandingkan pinjaman konvensional

	Pinjaman FHA	Pinjaman konvensional
Suku bunga	6,25%	6,5%
Jumlah pinjaman	$343.660,63	$337.750,00
Pokok & bunga	$2.115,98	$2.134,81
Asuransi hipotek	$154,80 MIP	$168,88 PMI
Asuransi hipotek berlaku selama	30 tahun	11 tahun 10 bulan
Total angsuran per bulan	$2.770,78	$2.803,69
Asuransi hipotek di muka	$5.910,63	$0,00
Total asuransi hipotek	$42.070,18	$23.980,96
Total bunga	$418.089,65	$430.781,56

MIP diperkirakan dari sisa pinjaman pokok sesuai jadwal; PMI dihitung sebagai persentase tetap dari pinjaman awal hingga sisa pinjaman mencapai 78% dari harga rumah.

Pokok dan bunga yang dibayar per tahun

PokokBunga

Jadwal angsuran

Tahun	Pokok	Bunga	Sisa pinjaman
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

Tampilkan jadwal bulanan (360 angsuran)

#	Angsuran	Pokok	Bunga	Sisa pinjaman
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

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Pratinjau

Cara mengisi kalkulator

Masukkan harga rumah dan uang muka Anda (minimal 3,5% dengan skor kredit 580 ke atas).
Masukkan suku bunga FHA, tenor, pajak properti per tahun, asuransi rumah, dan iuran pengelolaan (HOA) jika ada.
Buka Perbandingan dengan pinjaman konvensional untuk mengisi suku bunga dan tarif PMI pinjaman konvensional sebagai pembanding.

Rumus angsuran FHA

Pinjaman pokok = Harga − Uang muka · MIP di muka = Pinjaman pokok × 1,75%

Pinjaman = Pinjaman pokok + MIP di muka · Pokok & bunga = L × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1)

MIP per bulan = Pinjaman pokok × tarif MIP tahunan ÷ 12

Contoh perhitungan

Rumah seharga $350.000 dengan DP 3,5% ($12.250): pinjaman pokok $337.750, MIP di muka $5.910,63, total pinjaman $343.660,63. Dengan bunga 6,25% selama 30 tahun, pokok dan bunga menjadi $2.115,98. LTV-nya 96,5% (di atas 95%), sehingga MIP tahunan 0,55%: $337.750 × 0,55% ÷ 12 = $154,80. Ditambah pajak properti $350 dan asuransi $150 per bulan, totalnya $2.770,78.

Tarif MIP tahunan FHA

Tenor	Pinjaman pokok	LTV	MIP tahunan	Berlaku selama
Lebih dari 15 tahun	≤ $726.200	> 95%	0,55%	Seluruh tenor
Lebih dari 15 tahun	≤ $726.200	90–95%	0,50%	Seluruh tenor
Lebih dari 15 tahun	≤ $726.200	≤ 90%	0,50%	11 tahun
Lebih dari 15 tahun	> $726.200	> 95% / ≤ 95%	0,75% / 0,70%	Seluruh tenor, atau 11 tahun jika LTV ≤ 90%
15 tahun atau kurang	≤ $726.200	> 90% / ≤ 90%	0,40% / 0,15%	Seluruh tenor / 11 tahun
15 tahun atau kurang	> $726.200	> 90% / 78–90% / ≤ 78%	0,65% / 0,40% / 0,15%	Seluruh tenor / 11 tahun / 11 tahun

MIP di muka sebesar 1,75% untuk semua pinjaman pembelian rumah. Batas pinjaman FHA 2026 untuk rumah satu unit berkisar dari $541.287 hingga $1.249.125, tergantung county-nya.

Sumber: HUD Mortgagee Letter 2023-05 (MIP tahunan, berlaku untuk nomor kasus sejak 20 Maret 2023), HUD Handbook 4000.1, dan Mortgagee Letter 2025-23 (batas pinjaman 2026), hud.gov.

Perkiraan untuk tujuan edukasi, bukan nasihat keuangan.

Pertanyaan umum

Berapa uang muka minimum untuk pinjaman FHA?

3,5% dari harga rumah dengan skor kredit 580 ke atas, atau 10% dengan skor 500–579. Uang muka boleh berasal dari hibah keluarga.

Berapa besar asuransi hipotek FHA?

Anda membayar MIP di muka sebesar 1,75% dari pinjaman pokok, yang biasanya ditambahkan ke pinjaman, ditambah MIP tahunan yang dicicil setiap bulan. Untuk sebagian besar pinjaman 30 tahun besarnya 0,55% per tahun dengan DP di bawah 5% dan 0,50% dengan DP 5% atau lebih (0,70–0,75% untuk pinjaman di atas $726.200).

Apakah asuransi hipotek FHA bisa dihentikan?

Jika DP Anda minimal 10%, MIP tahunan berakhir setelah 11 tahun. Dengan DP di bawah 10%, MIP berlaku sepanjang masa pinjaman, dan cara yang lazim untuk menghentikannya adalah refinancing ke pinjaman konvensional setelah ekuitas Anda mencapai 20%.

Berapa batas pinjaman FHA tahun 2026?

Untuk rumah satu unit, batas FHA 2026 berkisar dari $541.287 di sebagian besar county hingga $1.249.125 di wilayah berbiaya tinggi (HUD Mortgagee Letter 2025-23). Periksa county Anda di halaman batas pinjaman FHA milik HUD.

Apakah FHA lebih murah daripada pinjaman konvensional?

Sering kali ya bagi pembeli dengan skor kredit rendah atau DP kecil, karena bunga FHA biasanya lebih rendah dan MIP tidak naik ketika skor kredit lemah. Dengan kredit baik dan DP 5% ke atas, pinjaman konvensional yang PMI-nya bisa dihentikan sering lebih murah dalam jangka panjang.

Beri penilaian untuk Kalkulator KPR FHA

Hanya rata-rata penilaian yang ditampilkan. Laporan kesalahan langsung masuk ke kotak surat kami agar dapat kami periksa dan perbaiki. Selengkapnya: Metodologi dan kebijakan privasi.