🏡 FHA لون کیلکولیٹر
FHA کی مارگیج انشورنس دو حصوں میں آتی ہے، اور ابتدائی حصہ عموماً قرض ہی میں شامل کر دیا جاتا ہے۔ گھر کی قیمت، پیشگی ادائیگی اور شرحِ سود درج کریں – دونوں حصے، ٹیکس اور انشورنس کے ساتھ، عام لون کے مقابلے میں سامنے آ جائیں گے۔
مختصر جواب: $3,50,000 کے گھر پر 3.5% پیشگی ادائیگی، 6.25% شرحِ سود اور 30 سال کی مدت کے ساتھ FHA لون $3,43,660.63 کا بنتا ہے، جس میں $5,910.63 کا ابتدائی ایم آئی پی شامل ہے؛ ماہانہ قسط $2,770.78 ہے – $2,115.98 اصل رقم اور سود، $154.80 سالانہ ایم آئی پی (0.55%) اور $500 ٹیکس و انشورنس۔
ابھی تک کوئی ریٹنگ نہیں · آخری اپ ڈیٹ · مفت · سائن اپ کی ضرورت نہیں
FHA لون کیلکولیٹر کے اندراجات
نتیجہ
FHA کی ماہانہ قسط
$2,770.78
$2,115.98 اصل رقم و سود + $154.80 ایم آئی پی + $500.00 ٹیکس، انشورنس و ایچ او اے
| پیشگی ادائیگی | $12,250.00 (3.5%) |
| بنیادی قرض کی رقم | $3,37,750.00 |
| ابتدائی ایم آئی پی (1.75%، قرض میں شامل) | $5,910.63 |
| کُل FHA قرض | $3,43,660.63 |
| اصل رقم و سود | $2,115.98 |
| سالانہ ایم آئی پی (0.55% سالانہ) | $154.80 / ماہانہ |
| پراپرٹی ٹیکس، انشورنس و ایچ او اے | $500.00 / ماہانہ |
- لون ٹو ویلیو (LTV)
- 96.5%
- ایم آئی پی کب تک
- قرض کی پوری مدت
- عام لون کی قسط
- $2,803.69
- FHA سے ماہانہ بچت
- $32.91
FHA بمقابلہ عام لون
| FHA لون | عام لون | |
|---|---|---|
| شرحِ سود | 6.25% | 6.5% |
| قرض کی رقم | $3,43,660.63 | $3,37,750.00 |
| اصل رقم و سود | $2,115.98 | $2,134.81 |
| مارگیج انشورنس | $154.80 ایم آئی پی | $168.88 PMI |
| مارگیج انشورنس کب تک | 30 سال | 11 سال 10 مہینے |
| کُل ماہانہ قسط | $2,770.78 | $2,803.69 |
| ابتدائی مارگیج انشورنس | $5,910.63 | $0.00 |
| کُل مارگیج انشورنس | $42,070.18 | $23,980.96 |
| کُل سود | $4,18,089.65 | $4,30,781.56 |
ایم آئی پی کا تخمینہ بنیادی قرض کی طے شدہ بقایا رقم پر لگایا گیا ہے؛ PMI اصل قرض کا ایک مقررہ فیصد ہے، جو بقایا رقم قیمت کے 78% تک آنے تک لگتی ہے۔
اصل رقمسود
قرض کی ادائیگی کا شیڈول
| سال | اصل رقم | سود | بقایا رقم |
|---|---|---|---|
| 1 | $4,027.04 | $21,364.72 | $3,39,633.59 |
| 2 | $4,286.06 | $21,105.70 | $3,35,347.53 |
| 3 | $4,561.74 | $20,830.02 | $3,30,785.79 |
| 4 | $4,855.15 | $20,536.61 | $3,25,930.64 |
| 5 | $5,167.45 | $20,224.31 | $3,20,763.19 |
| 6 | $5,499.84 | $19,891.92 | $3,15,263.35 |
| 7 | $5,853.61 | $19,538.15 | $3,09,409.74 |
| 8 | $6,230.11 | $19,161.65 | $3,03,179.63 |
| 9 | $6,630.84 | $18,760.92 | $2,96,548.79 |
| 10 | $7,057.35 | $18,334.41 | $2,89,491.44 |
| 11 | $7,511.28 | $17,880.48 | $2,81,980.16 |
| 12 | $7,994.43 | $17,397.33 | $2,73,985.73 |
| 13 | $8,508.66 | $16,883.10 | $2,65,477.07 |
| 14 | $9,055.93 | $16,335.83 | $2,56,421.14 |
| 15 | $9,638.43 | $15,753.33 | $2,46,782.71 |
| 16 | $10,258.37 | $15,133.39 | $2,36,524.34 |
| 17 | $10,918.24 | $14,473.52 | $2,25,606.10 |
| 18 | $11,620.53 | $13,771.23 | $2,13,985.57 |
| 19 | $12,367.97 | $13,023.79 | $2,01,617.60 |
| 20 | $13,163.50 | $12,228.26 | $1,88,454.10 |
| 21 | $14,010.21 | $11,381.55 | $1,74,443.89 |
| 22 | $14,911.35 | $10,480.41 | $1,59,532.54 |
| 23 | $15,870.47 | $9,521.29 | $1,43,662.07 |
| 24 | $16,891.28 | $8,500.48 | $1,26,770.79 |
| 25 | $17,977.78 | $7,413.98 | $1,08,793.01 |
| 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 |
ماہانہ شیڈول دیکھیں (360 اقساط)
| # | قسط | اصل رقم | سود | بقایا رقم |
|---|---|---|---|---|
| 1 | $2,115.98 | $326.08 | $1,789.90 | $3,43,334.55 |
| 2 | $2,115.98 | $327.78 | $1,788.20 | $3,43,006.77 |
| 3 | $2,115.98 | $329.49 | $1,786.49 | $3,42,677.28 |
| 4 | $2,115.98 | $331.20 | $1,784.78 | $3,42,346.08 |
| 5 | $2,115.98 | $332.93 | $1,783.05 | $3,42,013.15 |
| 6 | $2,115.98 | $334.66 | $1,781.32 | $3,41,678.49 |
| 7 | $2,115.98 | $336.40 | $1,779.58 | $3,41,342.09 |
| 8 | $2,115.98 | $338.16 | $1,777.82 | $3,41,003.93 |
| 9 | $2,115.98 | $339.92 | $1,776.06 | $3,40,664.01 |
| 10 | $2,115.98 | $341.69 | $1,774.29 | $3,40,322.32 |
| 11 | $2,115.98 | $343.47 | $1,772.51 | $3,39,978.85 |
| 12 | $2,115.98 | $345.26 | $1,770.72 | $3,39,633.59 |
| 13 | $2,115.98 | $347.06 | $1,768.92 | $3,39,286.53 |
| 14 | $2,115.98 | $348.86 | $1,767.12 | $3,38,937.67 |
| 15 | $2,115.98 | $350.68 | $1,765.30 | $3,38,586.99 |
| 16 | $2,115.98 | $352.51 | $1,763.47 | $3,38,234.48 |
| 17 | $2,115.98 | $354.34 | $1,761.64 | $3,37,880.14 |
| 18 | $2,115.98 | $356.19 | $1,759.79 | $3,37,523.95 |
| 19 | $2,115.98 | $358.04 | $1,757.94 | $3,37,165.91 |
| 20 | $2,115.98 | $359.91 | $1,756.07 | $3,36,806.00 |
| 21 | $2,115.98 | $361.78 | $1,754.20 | $3,36,444.22 |
| 22 | $2,115.98 | $363.67 | $1,752.31 | $3,36,080.55 |
| 23 | $2,115.98 | $365.56 | $1,750.42 | $3,35,714.99 |
| 24 | $2,115.98 | $367.46 | $1,748.52 | $3,35,347.53 |
| 25 | $2,115.98 | $369.38 | $1,746.60 | $3,34,978.15 |
| 26 | $2,115.98 | $371.30 | $1,744.68 | $3,34,606.85 |
| 27 | $2,115.98 | $373.24 | $1,742.74 | $3,34,233.61 |
| 28 | $2,115.98 | $375.18 | $1,740.80 | $3,33,858.43 |
| 29 | $2,115.98 | $377.13 | $1,738.85 | $3,33,481.30 |
| 30 | $2,115.98 | $379.10 | $1,736.88 | $3,33,102.20 |
| 31 | $2,115.98 | $381.07 | $1,734.91 | $3,32,721.13 |
| 32 | $2,115.98 | $383.06 | $1,732.92 | $3,32,338.07 |
| 33 | $2,115.98 | $385.05 | $1,730.93 | $3,31,953.02 |
| 34 | $2,115.98 | $387.06 | $1,728.92 | $3,31,565.96 |
| 35 | $2,115.98 | $389.07 | $1,726.91 | $3,31,176.89 |
| 36 | $2,115.98 | $391.10 | $1,724.88 | $3,30,785.79 |
| 37 | $2,115.98 | $393.14 | $1,722.84 | $3,30,392.65 |
| 38 | $2,115.98 | $395.18 | $1,720.80 | $3,29,997.47 |
| 39 | $2,115.98 | $397.24 | $1,718.74 | $3,29,600.23 |
| 40 | $2,115.98 | $399.31 | $1,716.67 | $3,29,200.92 |
| 41 | $2,115.98 | $401.39 | $1,714.59 | $3,28,799.53 |
| 42 | $2,115.98 | $403.48 | $1,712.50 | $3,28,396.05 |
| 43 | $2,115.98 | $405.58 | $1,710.40 | $3,27,990.47 |
| 44 | $2,115.98 | $407.70 | $1,708.28 | $3,27,582.77 |
| 45 | $2,115.98 | $409.82 | $1,706.16 | $3,27,172.95 |
| 46 | $2,115.98 | $411.95 | $1,704.03 | $3,26,761.00 |
| 47 | $2,115.98 | $414.10 | $1,701.88 | $3,26,346.90 |
| 48 | $2,115.98 | $416.26 | $1,699.72 | $3,25,930.64 |
| 49 | $2,115.98 | $418.42 | $1,697.56 | $3,25,512.22 |
| 50 | $2,115.98 | $420.60 | $1,695.38 | $3,25,091.62 |
| 51 | $2,115.98 | $422.79 | $1,693.19 | $3,24,668.83 |
| 52 | $2,115.98 | $425.00 | $1,690.98 | $3,24,243.83 |
| 53 | $2,115.98 | $427.21 | $1,688.77 | $3,23,816.62 |
| 54 | $2,115.98 | $429.44 | $1,686.54 | $3,23,387.18 |
| 55 | $2,115.98 | $431.67 | $1,684.31 | $3,22,955.51 |
| 56 | $2,115.98 | $433.92 | $1,682.06 | $3,22,521.59 |
| 57 | $2,115.98 | $436.18 | $1,679.80 | $3,22,085.41 |
| 58 | $2,115.98 | $438.45 | $1,677.53 | $3,21,646.96 |
| 59 | $2,115.98 | $440.74 | $1,675.24 | $3,21,206.22 |
| 60 | $2,115.98 | $443.03 | $1,672.95 | $3,20,763.19 |
| 61 | $2,115.98 | $445.34 | $1,670.64 | $3,20,317.85 |
| 62 | $2,115.98 | $447.66 | $1,668.32 | $3,19,870.19 |
| 63 | $2,115.98 | $449.99 | $1,665.99 | $3,19,420.20 |
| 64 | $2,115.98 | $452.33 | $1,663.65 | $3,18,967.87 |
| 65 | $2,115.98 | $454.69 | $1,661.29 | $3,18,513.18 |
| 66 | $2,115.98 | $457.06 | $1,658.92 | $3,18,056.12 |
| 67 | $2,115.98 | $459.44 | $1,656.54 | $3,17,596.68 |
| 68 | $2,115.98 | $461.83 | $1,654.15 | $3,17,134.85 |
| 69 | $2,115.98 | $464.24 | $1,651.74 | $3,16,670.61 |
| 70 | $2,115.98 | $466.65 | $1,649.33 | $3,16,203.96 |
| 71 | $2,115.98 | $469.08 | $1,646.90 | $3,15,734.88 |
| 72 | $2,115.98 | $471.53 | $1,644.45 | $3,15,263.35 |
| 73 | $2,115.98 | $473.98 | $1,642.00 | $3,14,789.37 |
| 74 | $2,115.98 | $476.45 | $1,639.53 | $3,14,312.92 |
| 75 | $2,115.98 | $478.93 | $1,637.05 | $3,13,833.99 |
| 76 | $2,115.98 | $481.43 | $1,634.55 | $3,13,352.56 |
| 77 | $2,115.98 | $483.94 | $1,632.04 | $3,12,868.62 |
| 78 | $2,115.98 | $486.46 | $1,629.52 | $3,12,382.16 |
| 79 | $2,115.98 | $488.99 | $1,626.99 | $3,11,893.17 |
| 80 | $2,115.98 | $491.54 | $1,624.44 | $3,11,401.63 |
| 81 | $2,115.98 | $494.10 | $1,621.88 | $3,10,907.53 |
| 82 | $2,115.98 | $496.67 | $1,619.31 | $3,10,410.86 |
| 83 | $2,115.98 | $499.26 | $1,616.72 | $3,09,911.60 |
| 84 | $2,115.98 | $501.86 | $1,614.12 | $3,09,409.74 |
| 85 | $2,115.98 | $504.47 | $1,611.51 | $3,08,905.27 |
| 86 | $2,115.98 | $507.10 | $1,608.88 | $3,08,398.17 |
| 87 | $2,115.98 | $509.74 | $1,606.24 | $3,07,888.43 |
| 88 | $2,115.98 | $512.39 | $1,603.59 | $3,07,376.04 |
| 89 | $2,115.98 | $515.06 | $1,600.92 | $3,06,860.98 |
| 90 | $2,115.98 | $517.75 | $1,598.23 | $3,06,343.23 |
| 91 | $2,115.98 | $520.44 | $1,595.54 | $3,05,822.79 |
| 92 | $2,115.98 | $523.15 | $1,592.83 | $3,05,299.64 |
| 93 | $2,115.98 | $525.88 | $1,590.10 | $3,04,773.76 |
| 94 | $2,115.98 | $528.62 | $1,587.36 | $3,04,245.14 |
| 95 | $2,115.98 | $531.37 | $1,584.61 | $3,03,713.77 |
| 96 | $2,115.98 | $534.14 | $1,581.84 | $3,03,179.63 |
| 97 | $2,115.98 | $536.92 | $1,579.06 | $3,02,642.71 |
| 98 | $2,115.98 | $539.72 | $1,576.26 | $3,02,102.99 |
| 99 | $2,115.98 | $542.53 | $1,573.45 | $3,01,560.46 |
| 100 | $2,115.98 | $545.35 | $1,570.63 | $3,01,015.11 |
| 101 | $2,115.98 | $548.19 | $1,567.79 | $3,00,466.92 |
| 102 | $2,115.98 | $551.05 | $1,564.93 | $2,99,915.87 |
| 103 | $2,115.98 | $553.92 | $1,562.06 | $2,99,361.95 |
| 104 | $2,115.98 | $556.80 | $1,559.18 | $2,98,805.15 |
| 105 | $2,115.98 | $559.70 | $1,556.28 | $2,98,245.45 |
| 106 | $2,115.98 | $562.62 | $1,553.36 | $2,97,682.83 |
| 107 | $2,115.98 | $565.55 | $1,550.43 | $2,97,117.28 |
| 108 | $2,115.98 | $568.49 | $1,547.49 | $2,96,548.79 |
| 109 | $2,115.98 | $571.46 | $1,544.52 | $2,95,977.33 |
| 110 | $2,115.98 | $574.43 | $1,541.55 | $2,95,402.90 |
| 111 | $2,115.98 | $577.42 | $1,538.56 | $2,94,825.48 |
| 112 | $2,115.98 | $580.43 | $1,535.55 | $2,94,245.05 |
| 113 | $2,115.98 | $583.45 | $1,532.53 | $2,93,661.60 |
| 114 | $2,115.98 | $586.49 | $1,529.49 | $2,93,075.11 |
| 115 | $2,115.98 | $589.55 | $1,526.43 | $2,92,485.56 |
| 116 | $2,115.98 | $592.62 | $1,523.36 | $2,91,892.94 |
| 117 | $2,115.98 | $595.70 | $1,520.28 | $2,91,297.24 |
| 118 | $2,115.98 | $598.81 | $1,517.17 | $2,90,698.43 |
| 119 | $2,115.98 | $601.93 | $1,514.05 | $2,90,096.50 |
| 120 | $2,115.98 | $605.06 | $1,510.92 | $2,89,491.44 |
| 121 | $2,115.98 | $608.21 | $1,507.77 | $2,88,883.23 |
| 122 | $2,115.98 | $611.38 | $1,504.60 | $2,88,271.85 |
| 123 | $2,115.98 | $614.56 | $1,501.42 | $2,87,657.29 |
| 124 | $2,115.98 | $617.76 | $1,498.22 | $2,87,039.53 |
| 125 | $2,115.98 | $620.98 | $1,495.00 | $2,86,418.55 |
| 126 | $2,115.98 | $624.22 | $1,491.76 | $2,85,794.33 |
| 127 | $2,115.98 | $627.47 | $1,488.51 | $2,85,166.86 |
| 128 | $2,115.98 | $630.74 | $1,485.24 | $2,84,536.12 |
| 129 | $2,115.98 | $634.02 | $1,481.96 | $2,83,902.10 |
| 130 | $2,115.98 | $637.32 | $1,478.66 | $2,83,264.78 |
| 131 | $2,115.98 | $640.64 | $1,475.34 | $2,82,624.14 |
| 132 | $2,115.98 | $643.98 | $1,472.00 | $2,81,980.16 |
| 133 | $2,115.98 | $647.33 | $1,468.65 | $2,81,332.83 |
| 134 | $2,115.98 | $650.70 | $1,465.28 | $2,80,682.13 |
| 135 | $2,115.98 | $654.09 | $1,461.89 | $2,80,028.04 |
| 136 | $2,115.98 | $657.50 | $1,458.48 | $2,79,370.54 |
| 137 | $2,115.98 | $660.93 | $1,455.05 | $2,78,709.61 |
| 138 | $2,115.98 | $664.37 | $1,451.61 | $2,78,045.24 |
| 139 | $2,115.98 | $667.83 | $1,448.15 | $2,77,377.41 |
| 140 | $2,115.98 | $671.31 | $1,444.67 | $2,76,706.10 |
| 141 | $2,115.98 | $674.80 | $1,441.18 | $2,76,031.30 |
| 142 | $2,115.98 | $678.32 | $1,437.66 | $2,75,352.98 |
| 143 | $2,115.98 | $681.85 | $1,434.13 | $2,74,671.13 |
| 144 | $2,115.98 | $685.40 | $1,430.58 | $2,73,985.73 |
| 145 | $2,115.98 | $688.97 | $1,427.01 | $2,73,296.76 |
| 146 | $2,115.98 | $692.56 | $1,423.42 | $2,72,604.20 |
| 147 | $2,115.98 | $696.17 | $1,419.81 | $2,71,908.03 |
| 148 | $2,115.98 | $699.79 | $1,416.19 | $2,71,208.24 |
| 149 | $2,115.98 | $703.44 | $1,412.54 | $2,70,504.80 |
| 150 | $2,115.98 | $707.10 | $1,408.88 | $2,69,797.70 |
| 151 | $2,115.98 | $710.78 | $1,405.20 | $2,69,086.92 |
| 152 | $2,115.98 | $714.49 | $1,401.49 | $2,68,372.43 |
| 153 | $2,115.98 | $718.21 | $1,397.77 | $2,67,654.22 |
| 154 | $2,115.98 | $721.95 | $1,394.03 | $2,66,932.27 |
| 155 | $2,115.98 | $725.71 | $1,390.27 | $2,66,206.56 |
| 156 | $2,115.98 | $729.49 | $1,386.49 | $2,65,477.07 |
| 157 | $2,115.98 | $733.29 | $1,382.69 | $2,64,743.78 |
| 158 | $2,115.98 | $737.11 | $1,378.87 | $2,64,006.67 |
| 159 | $2,115.98 | $740.95 | $1,375.03 | $2,63,265.72 |
| 160 | $2,115.98 | $744.80 | $1,371.18 | $2,62,520.92 |
| 161 | $2,115.98 | $748.68 | $1,367.30 | $2,61,772.24 |
| 162 | $2,115.98 | $752.58 | $1,363.40 | $2,61,019.66 |
| 163 | $2,115.98 | $756.50 | $1,359.48 | $2,60,263.16 |
| 164 | $2,115.98 | $760.44 | $1,355.54 | $2,59,502.72 |
| 165 | $2,115.98 | $764.40 | $1,351.58 | $2,58,738.32 |
| 166 | $2,115.98 | $768.38 | $1,347.60 | $2,57,969.94 |
| 167 | $2,115.98 | $772.39 | $1,343.59 | $2,57,197.55 |
| 168 | $2,115.98 | $776.41 | $1,339.57 | $2,56,421.14 |
| 169 | $2,115.98 | $780.45 | $1,335.53 | $2,55,640.69 |
| 170 | $2,115.98 | $784.52 | $1,331.46 | $2,54,856.17 |
| 171 | $2,115.98 | $788.60 | $1,327.38 | $2,54,067.57 |
| 172 | $2,115.98 | $792.71 | $1,323.27 | $2,53,274.86 |
| 173 | $2,115.98 | $796.84 | $1,319.14 | $2,52,478.02 |
| 174 | $2,115.98 | $800.99 | $1,314.99 | $2,51,677.03 |
| 175 | $2,115.98 | $805.16 | $1,310.82 | $2,50,871.87 |
| 176 | $2,115.98 | $809.36 | $1,306.62 | $2,50,062.51 |
| 177 | $2,115.98 | $813.57 | $1,302.41 | $2,49,248.94 |
| 178 | $2,115.98 | $817.81 | $1,298.17 | $2,48,431.13 |
| 179 | $2,115.98 | $822.07 | $1,293.91 | $2,47,609.06 |
| 180 | $2,115.98 | $826.35 | $1,289.63 | $2,46,782.71 |
| 181 | $2,115.98 | $830.65 | $1,285.33 | $2,45,952.06 |
| 182 | $2,115.98 | $834.98 | $1,281.00 | $2,45,117.08 |
| 183 | $2,115.98 | $839.33 | $1,276.65 | $2,44,277.75 |
| 184 | $2,115.98 | $843.70 | $1,272.28 | $2,43,434.05 |
| 185 | $2,115.98 | $848.09 | $1,267.89 | $2,42,585.96 |
| 186 | $2,115.98 | $852.51 | $1,263.47 | $2,41,733.45 |
| 187 | $2,115.98 | $856.95 | $1,259.03 | $2,40,876.50 |
| 188 | $2,115.98 | $861.41 | $1,254.57 | $2,40,015.09 |
| 189 | $2,115.98 | $865.90 | $1,250.08 | $2,39,149.19 |
| 190 | $2,115.98 | $870.41 | $1,245.57 | $2,38,278.78 |
| 191 | $2,115.98 | $874.94 | $1,241.04 | $2,37,403.84 |
| 192 | $2,115.98 | $879.50 | $1,236.48 | $2,36,524.34 |
| 193 | $2,115.98 | $884.08 | $1,231.90 | $2,35,640.26 |
| 194 | $2,115.98 | $888.69 | $1,227.29 | $2,34,751.57 |
| 195 | $2,115.98 | $893.32 | $1,222.66 | $2,33,858.25 |
| 196 | $2,115.98 | $897.97 | $1,218.01 | $2,32,960.28 |
| 197 | $2,115.98 | $902.65 | $1,213.33 | $2,32,057.63 |
| 198 | $2,115.98 | $907.35 | $1,208.63 | $2,31,150.28 |
| 199 | $2,115.98 | $912.07 | $1,203.91 | $2,30,238.21 |
| 200 | $2,115.98 | $916.82 | $1,199.16 | $2,29,321.39 |
| 201 | $2,115.98 | $921.60 | $1,194.38 | $2,28,399.79 |
| 202 | $2,115.98 | $926.40 | $1,189.58 | $2,27,473.39 |
| 203 | $2,115.98 | $931.22 | $1,184.76 | $2,26,542.17 |
| 204 | $2,115.98 | $936.07 | $1,179.91 | $2,25,606.10 |
| 205 | $2,115.98 | $940.95 | $1,175.03 | $2,24,665.15 |
| 206 | $2,115.98 | $945.85 | $1,170.13 | $2,23,719.30 |
| 207 | $2,115.98 | $950.78 | $1,165.20 | $2,22,768.52 |
| 208 | $2,115.98 | $955.73 | $1,160.25 | $2,21,812.79 |
| 209 | $2,115.98 | $960.71 | $1,155.27 | $2,20,852.08 |
| 210 | $2,115.98 | $965.71 | $1,150.27 | $2,19,886.37 |
| 211 | $2,115.98 | $970.74 | $1,145.24 | $2,18,915.63 |
| 212 | $2,115.98 | $975.79 | $1,140.19 | $2,17,939.84 |
| 213 | $2,115.98 | $980.88 | $1,135.10 | $2,16,958.96 |
| 214 | $2,115.98 | $985.99 | $1,129.99 | $2,15,972.97 |
| 215 | $2,115.98 | $991.12 | $1,124.86 | $2,14,981.85 |
| 216 | $2,115.98 | $996.28 | $1,119.70 | $2,13,985.57 |
| 217 | $2,115.98 | $1,001.47 | $1,114.51 | $2,12,984.10 |
| 218 | $2,115.98 | $1,006.69 | $1,109.29 | $2,11,977.41 |
| 219 | $2,115.98 | $1,011.93 | $1,104.05 | $2,10,965.48 |
| 220 | $2,115.98 | $1,017.20 | $1,098.78 | $2,09,948.28 |
| 221 | $2,115.98 | $1,022.50 | $1,093.48 | $2,08,925.78 |
| 222 | $2,115.98 | $1,027.82 | $1,088.16 | $2,07,897.96 |
| 223 | $2,115.98 | $1,033.18 | $1,082.80 | $2,06,864.78 |
| 224 | $2,115.98 | $1,038.56 | $1,077.42 | $2,05,826.22 |
| 225 | $2,115.98 | $1,043.97 | $1,072.01 | $2,04,782.25 |
| 226 | $2,115.98 | $1,049.41 | $1,066.57 | $2,03,732.84 |
| 227 | $2,115.98 | $1,054.87 | $1,061.11 | $2,02,677.97 |
| 228 | $2,115.98 | $1,060.37 | $1,055.61 | $2,01,617.60 |
| 229 | $2,115.98 | $1,065.89 | $1,050.09 | $2,00,551.71 |
| 230 | $2,115.98 | $1,071.44 | $1,044.54 | $1,99,480.27 |
| 231 | $2,115.98 | $1,077.02 | $1,038.96 | $1,98,403.25 |
| 232 | $2,115.98 | $1,082.63 | $1,033.35 | $1,97,320.62 |
| 233 | $2,115.98 | $1,088.27 | $1,027.71 | $1,96,232.35 |
| 234 | $2,115.98 | $1,093.94 | $1,022.04 | $1,95,138.41 |
| 235 | $2,115.98 | $1,099.63 | $1,016.35 | $1,94,038.78 |
| 236 | $2,115.98 | $1,105.36 | $1,010.62 | $1,92,933.42 |
| 237 | $2,115.98 | $1,111.12 | $1,004.86 | $1,91,822.30 |
| 238 | $2,115.98 | $1,116.91 | $999.07 | $1,90,705.39 |
| 239 | $2,115.98 | $1,122.72 | $993.26 | $1,89,582.67 |
| 240 | $2,115.98 | $1,128.57 | $987.41 | $1,88,454.10 |
| 241 | $2,115.98 | $1,134.45 | $981.53 | $1,87,319.65 |
| 242 | $2,115.98 | $1,140.36 | $975.62 | $1,86,179.29 |
| 243 | $2,115.98 | $1,146.30 | $969.68 | $1,85,032.99 |
| 244 | $2,115.98 | $1,152.27 | $963.71 | $1,83,880.72 |
| 245 | $2,115.98 | $1,158.27 | $957.71 | $1,82,722.45 |
| 246 | $2,115.98 | $1,164.30 | $951.68 | $1,81,558.15 |
| 247 | $2,115.98 | $1,170.36 | $945.62 | $1,80,387.79 |
| 248 | $2,115.98 | $1,176.46 | $939.52 | $1,79,211.33 |
| 249 | $2,115.98 | $1,182.59 | $933.39 | $1,78,028.74 |
| 250 | $2,115.98 | $1,188.75 | $927.23 | $1,76,839.99 |
| 251 | $2,115.98 | $1,194.94 | $921.04 | $1,75,645.05 |
| 252 | $2,115.98 | $1,201.16 | $914.82 | $1,74,443.89 |
| 253 | $2,115.98 | $1,207.42 | $908.56 | $1,73,236.47 |
| 254 | $2,115.98 | $1,213.71 | $902.27 | $1,72,022.76 |
| 255 | $2,115.98 | $1,220.03 | $895.95 | $1,70,802.73 |
| 256 | $2,115.98 | $1,226.38 | $889.60 | $1,69,576.35 |
| 257 | $2,115.98 | $1,232.77 | $883.21 | $1,68,343.58 |
| 258 | $2,115.98 | $1,239.19 | $876.79 | $1,67,104.39 |
| 259 | $2,115.98 | $1,245.64 | $870.34 | $1,65,858.75 |
| 260 | $2,115.98 | $1,252.13 | $863.85 | $1,64,606.62 |
| 261 | $2,115.98 | $1,258.65 | $857.33 | $1,63,347.97 |
| 262 | $2,115.98 | $1,265.21 | $850.77 | $1,62,082.76 |
| 263 | $2,115.98 | $1,271.80 | $844.18 | $1,60,810.96 |
| 264 | $2,115.98 | $1,278.42 | $837.56 | $1,59,532.54 |
| 265 | $2,115.98 | $1,285.08 | $830.90 | $1,58,247.46 |
| 266 | $2,115.98 | $1,291.77 | $824.21 | $1,56,955.69 |
| 267 | $2,115.98 | $1,298.50 | $817.48 | $1,55,657.19 |
| 268 | $2,115.98 | $1,305.27 | $810.71 | $1,54,351.92 |
| 269 | $2,115.98 | $1,312.06 | $803.92 | $1,53,039.86 |
| 270 | $2,115.98 | $1,318.90 | $797.08 | $1,51,720.96 |
| 271 | $2,115.98 | $1,325.77 | $790.21 | $1,50,395.19 |
| 272 | $2,115.98 | $1,332.67 | $783.31 | $1,49,062.52 |
| 273 | $2,115.98 | $1,339.61 | $776.37 | $1,47,722.91 |
| 274 | $2,115.98 | $1,346.59 | $769.39 | $1,46,376.32 |
| 275 | $2,115.98 | $1,353.60 | $762.38 | $1,45,022.72 |
| 276 | $2,115.98 | $1,360.65 | $755.33 | $1,43,662.07 |
| 277 | $2,115.98 | $1,367.74 | $748.24 | $1,42,294.33 |
| 278 | $2,115.98 | $1,374.86 | $741.12 | $1,40,919.47 |
| 279 | $2,115.98 | $1,382.02 | $733.96 | $1,39,537.45 |
| 280 | $2,115.98 | $1,389.22 | $726.76 | $1,38,148.23 |
| 281 | $2,115.98 | $1,396.46 | $719.52 | $1,36,751.77 |
| 282 | $2,115.98 | $1,403.73 | $712.25 | $1,35,348.04 |
| 283 | $2,115.98 | $1,411.04 | $704.94 | $1,33,937.00 |
| 284 | $2,115.98 | $1,418.39 | $697.59 | $1,32,518.61 |
| 285 | $2,115.98 | $1,425.78 | $690.20 | $1,31,092.83 |
| 286 | $2,115.98 | $1,433.20 | $682.78 | $1,29,659.63 |
| 287 | $2,115.98 | $1,440.67 | $675.31 | $1,28,218.96 |
| 288 | $2,115.98 | $1,448.17 | $667.81 | $1,26,770.79 |
| 289 | $2,115.98 | $1,455.72 | $660.26 | $1,25,315.07 |
| 290 | $2,115.98 | $1,463.30 | $652.68 | $1,23,851.77 |
| 291 | $2,115.98 | $1,470.92 | $645.06 | $1,22,380.85 |
| 292 | $2,115.98 | $1,478.58 | $637.40 | $1,20,902.27 |
| 293 | $2,115.98 | $1,486.28 | $629.70 | $1,19,415.99 |
| 294 | $2,115.98 | $1,494.02 | $621.96 | $1,17,921.97 |
| 295 | $2,115.98 | $1,501.80 | $614.18 | $1,16,420.17 |
| 296 | $2,115.98 | $1,509.62 | $606.36 | $1,14,910.55 |
| 297 | $2,115.98 | $1,517.49 | $598.49 | $1,13,393.06 |
| 298 | $2,115.98 | $1,525.39 | $590.59 | $1,11,867.67 |
| 299 | $2,115.98 | $1,533.34 | $582.64 | $1,10,334.33 |
| 300 | $2,115.98 | $1,541.32 | $574.66 | $1,08,793.01 |
| 301 | $2,115.98 | $1,549.35 | $566.63 | $1,07,243.66 |
| 302 | $2,115.98 | $1,557.42 | $558.56 | $1,05,686.24 |
| 303 | $2,115.98 | $1,565.53 | $550.45 | $1,04,120.71 |
| 304 | $2,115.98 | $1,573.68 | $542.30 | $1,02,547.03 |
| 305 | $2,115.98 | $1,581.88 | $534.10 | $1,00,965.15 |
| 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 |
اپنے اعداد کیسے درج کریں
- گھر کی قیمت اور اپنی پیشگی ادائیگی درج کریں (580 یا زیادہ کریڈٹ اسکور پر کم از کم 3.5%)۔
- FHA شرحِ سود، قرض کی مدت، سالانہ پراپرٹی ٹیکس، گھر کی انشورنس اور ایچ او اے فیس (اگر ہو) درج کریں۔
- ساتھ ساتھ موازنے کے لیے عام لون سے موازنہ کھولیں اور عام لون کی شرحِ سود اور PMI درج کریں۔
FHA قسط کا فارمولا
بنیادی قرض = قیمت − پیشگی ادائیگی · ابتدائی ایم آئی پی = بنیادی قرض × 1.75%
قرض = بنیادی قرض + ابتدائی ایم آئی پی · اصل رقم و سود = L × r(1+r)n ÷ ((1+r)n − 1)
ماہانہ ایم آئی پی = بنیادی قرض × سالانہ ایم آئی پی کی شرح ÷ 12
حل شدہ مثال
$3,50,000 کا گھر اور 3.5% ($12,250) پیشگی ادائیگی: بنیادی قرض $3,37,750، ابتدائی ایم آئی پی $5,910.63، کُل قرض $3,43,660.63۔ 30 سال کے لیے 6.25% پر اصل رقم اور سود کی قسط $2,115.98 ہے۔ LTV 96.5% ہے (95% سے زیادہ)، اس لیے سالانہ ایم آئی پی 0.55% ہے: $3,37,750 × 0.55% ÷ 12 = $154.80۔ ہر ماہ $350 پراپرٹی ٹیکس اور $150 انشورنس شامل کرنے پر کُل $2,770.78 بنتا ہے۔
FHA کی سالانہ ایم آئی پی شرحیں
| مدت | بنیادی قرض | LTV | سالانہ ایم آئی پی | کب تک |
|---|---|---|---|---|
| 15 سال سے زیادہ | ≤ $7,26,200 | > 95% | 0.55% | قرض کی پوری مدت |
| 15 سال سے زیادہ | ≤ $7,26,200 | 90–95% | 0.50% | قرض کی پوری مدت |
| 15 سال سے زیادہ | ≤ $7,26,200 | ≤ 90% | 0.50% | 11 سال |
| 15 سال سے زیادہ | > $7,26,200 | > 95% / ≤ 95% | 0.75% / 0.70% | پوری مدت، یا LTV ≤ 90% ہو تو 11 سال |
| 15 سال یا کم | ≤ $7,26,200 | > 90% / ≤ 90% | 0.40% / 0.15% | پوری مدت / 11 سال |
| 15 سال یا کم | > $7,26,200 | > 90% / 78–90% / ≤ 78% | 0.65% / 0.40% / 0.15% | پوری مدت / 11 سال / 11 سال |
گھر خریدنے کے تمام قرضوں پر ابتدائی ایم آئی پی 1.75% ہے۔ ایک یونٹ والے گھروں کے لیے 2026 کی FHA لون حد کاؤنٹی کے لحاظ سے $5,41,287 سے $12,49,125 تک ہے۔
ماخذ: ایچ یو ڈی مارگیجی لیٹر 2023-05 (سالانہ ایم آئی پی، 20 مارچ 2023 سے جاری کیس نمبروں پر لاگو)، ایچ یو ڈی ہینڈ بک 4000.1 اور مارگیجی لیٹر 2025-23 (2026 کی لون حدود)، ایچ یو ڈی کی سرکاری ویب سائٹ۔
صرف معلومات کے لیے تخمینہ، یہ مالی مشورہ نہیں ہے۔
اکثر پوچھے جانے والے سوالات
FHA لون کے لیے کم از کم پیشگی ادائیگی کتنی ہے؟
580 یا اس سے زیادہ کریڈٹ اسکور پر قیمت کا 3.5%، اور 500–579 اسکور پر 10%۔ پیشگی ادائیگی خاندان کی طرف سے ملنے والے تحفے سے بھی کی جا سکتی ہے۔
FHA کی مارگیج انشورنس کتنی ہوتی ہے؟
آپ بنیادی قرض کا 1.75% ابتدائی ایم آئی پی دیتے ہیں، جو عموماً قرض میں شامل کر دیا جاتا ہے، اور ساتھ میں سالانہ ایم آئی پی، جو ہر ماہ قسط کے ساتھ ادا ہوتا ہے۔ 30 سال کے زیادہ تر قرضوں پر یہ 5% سے کم پیشگی ادائیگی پر 0.55% سالانہ اور 5% یا زیادہ پر 0.50% ہوتا ہے ($7,26,200 سے بڑے قرضوں پر 0.70–0.75%)۔
کیا FHA کی مارگیج انشورنس ختم کرائی جا سکتی ہے؟
اگر آپ نے کم از کم 10% پیشگی ادائیگی کی ہے تو سالانہ ایم آئی پی 11 سال بعد ختم ہو جاتا ہے۔ 10% سے کم پر یہ قرض کی پوری مدت چلتا ہے، اور اسے ختم کرنے کا عام طریقہ یہ ہے کہ 20% ایکویٹی بن جانے پر عام لون میں ری فنانس کرا لیا جائے۔
2026 میں FHA لون کی حد کیا ہے؟
ایک یونٹ والے گھر کے لیے 2026 کی FHA حد زیادہ تر کاؤنٹیوں میں $5,41,287 سے لے کر مہنگے علاقوں میں $12,49,125 تک ہے (ایچ یو ڈی مارگیجی لیٹر 2025-23)۔ اپنی کاؤنٹی کی حد ایچ یو ڈی کے FHA مارگیج حدود والے صفحے پر دیکھیں۔
کیا FHA لون عام لون سے سستا پڑتا ہے؟
کم کریڈٹ اسکور یا تھوڑی پیشگی ادائیگی والے خریداروں کے لیے اکثر ہاں، کیونکہ FHA کی شرحِ سود عموماً کم ہوتی ہے اور کمزور اسکور پر ایم آئی پی نہیں بڑھتا۔ اچھے کریڈٹ اور 5% یا زیادہ پیشگی ادائیگی کے ساتھ، ایسا عام لون جس کی PMI ختم ہو سکتی ہو، طویل مدت میں اکثر سستا پڑتا ہے۔
FHA لون کیلکولیٹر کو ریٹنگ دیں
صرف اوسط ریٹنگ دکھائی جاتی ہے۔ غلطی کی رپورٹیں سیدھی ہمارے اِن باکس میں آتی ہیں تاکہ ہم انہیں جانچ کر درست کر سکیں۔ مزید دیکھیں: طریقۂ کار اور رازداری کی پالیسی۔