🏡 FHA Kredisi Hesaplama
FHA ipotek sigortası iki parçadan oluşur ve peşin kısmı genellikle krediye eklenir. Konut fiyatını, peşinatı ve faiz oranını girin; ikisini de, vergi ve sigortayla birlikte, geleneksel bir krediyle karşılaştırmalı görün.
Kısa cevap: 350.000 dolarlık bir konutta %3,5 peşinat, %6,25 faiz ve 30 yıl vadeyle FHA kredisi, 5.910,63 dolarlık peşin MIP dahil 343.660,63 dolar olur; aylık taksit 2.770,78 dolardır: 2.115,98 dolar anapara ve faiz, 154,80 dolar yıllık MIP (%0,55) ve 500 dolar vergi ile sigorta.
Henüz değerlendirilmedi · Güncellendi · Ücretsiz · Üyelik gerekmez
FHA Kredisi Hesaplama – giriş alanları
Sonuç
FHA aylık taksiti
$2.770,78
$2.115,98 anapara ve faiz + $154,80 MIP + $500,00 vergi, sigorta ve aidat
| Peşinat | $12.250,00 (%3,5) |
| Ana kredi tutarı | $337.750,00 |
| Peşin MIP (%1,75, krediye eklenir) | $5.910,63 |
| Toplam FHA kredisi | $343.660,63 |
| Anapara ve faiz | $2.115,98 |
| Yıllık MIP (yılda %0,55) | $154,80 / ay |
| Emlak vergisi, sigorta ve aidat | $500,00 / ay |
- Kredi/değer oranı (LTV)
- %96,5
- MIP süresi
- Kredi vadesi boyunca
- Geleneksel kredi taksiti
- $2.803,69
- FHA ile aylık tasarruf
- $32,91
FHA ve geleneksel kredi karşılaştırması
| FHA kredisi | Geleneksel kredi | |
|---|---|---|
| Faiz oranı | %6,25 | %6,5 |
| Kredi tutarı | $343.660,63 | $337.750,00 |
| Anapara ve faiz | $2.115,98 | $2.134,81 |
| İpotek sigortası | $154,80 MIP | $168,88 PMI |
| İpotek sigortası süresi | 30 yıl | 11 yıl 10 ay |
| Toplam aylık taksit | $2.770,78 | $2.803,69 |
| Peşin ipotek sigortası | $5.910,63 | $0,00 |
| Toplam ipotek sigortası | $42.070,18 | $23.980,96 |
| Toplam faiz | $418.089,65 | $430.781,56 |
MIP, ana kredinin plana göre kalan bakiyesi üzerinden tahmin edilir; PMI ise bakiye konut fiyatının %78’ine inene kadar ilk kredi tutarının sabit bir yüzdesidir.
AnaparaFaiz
Geri ödeme planı
| Yıl | Anapara | Faiz | Kalan borç |
|---|---|---|---|
| 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 |
Aylık ödeme planını göster (360 taksit)
| # | Taksit | Anapara | Faiz | Kalan borç |
|---|---|---|---|---|
| 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 |
Hesaplayıcı nasıl doldurulur?
- Konut fiyatını ve peşinatınızı girin (kredi notu 580 veya üzerindeyse en az %3,5).
- FHA faiz oranını, vadeyi, yıllık emlak vergisini, konut sigortasını ve varsa site aidatını (HOA) girin.
- Karşılaştırma için geleneksel kredinin faiz oranını ve PMI oranını girmek üzere Geleneksel krediyle karşılaştırma bölümünü açın.
FHA taksit formülü
Ana kredi = Fiyat − Peşinat · Peşin MIP = Ana kredi × %1,75
Kredi = Ana kredi + Peşin MIP · Anapara ve faiz = L × r(1+r)n ÷ ((1+r)n − 1)
Aylık MIP = Ana kredi × yıllık MIP oranı ÷ 12
Örnek hesaplama
%3,5 peşinatlı (12.250 dolar) 350.000 dolarlık bir konut: ana kredi 337.750 dolar, peşin MIP 5.910,63 dolar, toplam kredi 343.660,63 dolar. 30 yıl boyunca %6,25 faizle anapara ve faiz 2.115,98 dolardır. LTV %96,5 (%95’in üzerinde) olduğundan yıllık MIP %0,55’tir: 337.750 × %0,55 ÷ 12 = 154,80 dolar. Aylık 350 dolar emlak vergisi ve 150 dolar sigortayla toplam 2.770,78 dolar olur.
FHA yıllık MIP oranları
| Vade | Ana kredi | LTV | Yıllık MIP | Süresi |
|---|---|---|---|---|
| 15 yıldan uzun | ≤ 726.200 $ | > %95 | %0,55 | Kredi vadesi boyunca |
| 15 yıldan uzun | ≤ 726.200 $ | %90–95 | %0,50 | Kredi vadesi boyunca |
| 15 yıldan uzun | ≤ 726.200 $ | ≤ %90 | %0,50 | 11 yıl |
| 15 yıldan uzun | > 726.200 $ | > %95 / ≤ %95 | %0,75 / %0,70 | Kredi vadesi boyunca; LTV ≤ %90 ise 11 yıl |
| 15 yıl veya daha kısa | ≤ 726.200 $ | > %90 / ≤ %90 | %0,40 / %0,15 | Kredi vadesi boyunca / 11 yıl |
| 15 yıl veya daha kısa | > 726.200 $ | > %90 / %78–90 / ≤ %78 | %0,65 / %0,40 / %0,15 | Kredi vadesi boyunca / 11 yıl / 11 yıl |
Peşin MIP tüm konut alım kredilerinde %1,75’tir. Tek birimli konutlar için 2026 FHA kredi limitleri county’ye göre 541.287 dolar ile 1.249.125 dolar arasındadır.
Kaynaklar: HUD Mortgagee Letter 2023-05 (yıllık MIP, 20 Mart 2023’ten itibaren atanan dosya numaraları için), HUD Handbook 4000.1 ve Mortgagee Letter 2025-23 (2026 kredi limitleri), hud.gov.
Eğitim amaçlı tahminlerdir, finansal tavsiye değildir.
Sıkça sorulan sorular
FHA kredisinde en düşük peşinat ne kadar?
Kredi notu 580 veya üzerindeyse fiyatın %3,5’i, 500–579 arasındaysa %10’u. Peşinat aileden gelen bağışla da karşılanabilir.
FHA ipotek sigortası ne kadar tutar?
Ana kredinin %1,75’i kadar peşin MIP ödersiniz (genellikle krediye eklenir), buna ek olarak aylık ödenen yıllık MIP vardır. 30 yıllık kredilerin çoğunda bu oran, peşinat %5’in altındaysa yılda %0,55, %5 veya üzerindeyse %0,50’dir (726.200 doları aşan kredilerde %0,70–0,75).
FHA ipotek sigortası kaldırılabilir mi?
En az %10 peşinat verdiyseniz yıllık MIP 11 yıl sonra sona erer. Peşinat %10’un altındaysa kredinin tüm vadesi boyunca sürer; kaldırmanın olağan yolu, özkaynağınız %20’ye ulaşınca geleneksel bir krediyle yeniden finansmandır.
2026 FHA kredi limitleri nedir?
Tek birimli bir konut için 2026 FHA limiti çoğu county’de 541.287 dolardan pahalı bölgelerde 1.249.125 dolara kadar değişir (HUD Mortgagee Letter 2025-23). County’nizi HUD’un FHA kredi limitleri sayfasından kontrol edin.
FHA, geleneksel krediden daha mı ucuz?
Kredi notu düşük veya peşinatı küçük alıcılar için çoğu zaman evet; çünkü FHA faizleri genellikle daha düşüktür ve MIP zayıf kredi notuyla artmaz. İyi bir kredi notu ve %5’in üzerinde peşinatla, PMI’ı iptal edilebilen geleneksel kredi uzun vadede çoğu zaman daha ucuzdur.
FHA Kredisi Hesaplama aracını değerlendirin
Yalnızca ortalama puan gösterilir. Hata bildirimleri doğrudan gelen kutumuza düşer; böylece kontrol edip düzeltebiliriz. Ayrıntılı bilgi: Metodoloji ve gizlilik politikası.