頭金わずか3.5%で利用可能なFHA住宅ローンにおける前払いMIP（1.75%）および月割りMIP（0.55%）を含む総支払額を計算。
Based on $350,000 home with 3.5% ($12,250) down payment.
Because your down payment is 3.5% (< 10%), your annual MIP of $155/mo remains for the entire 30-year life of the loan ($55,729 total MIP). Most FHA homeowners refinance to a Conventional mortgage once their home equity reaches 20% to eliminate this fee.
MIP_{monthly} = \frac{(Price - DownPayment) \times 0.55\%}{12}Standard FHA loan with 3.5% down payment includes 1.75% Upfront MIP financed into the principal and 0.55% Annual MIP billed monthly.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.