🏡 FHA贷款计算器FHA Loan Calculator

使用说明与常见问题How-to & FAQ

「FHA贷款计算器」是什么？What is the FHA Loan Calculator tool?

美国 FHA 房贷月供：按 HUD 现行费率表（ML 2023-05，2023-03-20 起生效）计算预付抵押保险（UFMIP 1.75%）和年度 MIP，含房产税和保险。US FHA mortgage payment using HUD's current premium schedule (ML 2023-05, effective March 20, 2023): 1.75% upfront mortgage insurance (UFMIP) and annual MIP, plus property tax and insurance.

如何使用「FHA贷款计算器」？How do I use the FHA Loan Calculator tool?

在「FHA贷款计算器」中，填写「房价」、「首付 %(最低 3.5)」、「年利率 %」、「期限」、「MIP 金额门槛」等参数，结果会随输入实时计算并显示在下方。In the FHA Loan Calculator: Fill in "Home price", "Down payment % (min 3.5)", "Interest rate %", "Term", "MIP loan-size threshold"; results are recalculated instantly as you type.

用的是哪一版 FHA 规则？Which FHA rules does this use?

HUD Mortgagee Letter 2023-05 的年度 MIP 费率表（适用于 2023 年 3 月 20 日及以后背书的案件）。截至 2026 年 10 月，HUD 尚未发布新的费率表。该文件说明金额门槛对应“全国合规贷款上限”，但表格本身写的是 $726,200（2023 年的上限）；2026 年的全国合规上限为 $832,750（HUD ML 2025-23）。不同贷款机构的执行口径可能不同，所以页面提供两个门槛供选择；基础贷款额介于两者之间时，请以贷款机构报价为准。HUD Mortgagee Letter 2023-05’s annual MIP schedule (case numbers endorsed on or after March 20, 2023); as of October 2026 HUD has not issued a newer schedule. The letter ties the loan-size threshold to the national conforming loan limit, but its table prints $726,200 (the 2023 limit), while the 2026 national conforming limit is $832,750 (HUD ML 2025-23). Lenders may apply either, so both thresholds are offered; if your base loan falls between them, confirm with your lender.

FHA 的 MIP 费率是多少？What are the FHA MIP rates?

预付 UFMIP 统一为基础贷款额的 1.75%。期限 > 15 年、贷款额 ≤ 门槛（$726,200）时：LTV > 95% 为 0.55%，≤ 95% 为 0.50%；首付 ≥ 10% 时 11 年后停缴，否则缴纳全期。期限 ≤ 15 年费率更低（0.15–0.65%）。UFMIP is 1.75% of the base loan. For terms over 15 years and loans at or below the threshold ($726,200): 0.55% if LTV > 95%, 0.50% otherwise; with ≥ 10% down it stops after 11 years, otherwise it lasts the life of the loan. Terms of 15 years or less pay less (0.15–0.65%).

月度 MIP 为什么只算首年？Why is the monthly MIP for the first year only?

年度 MIP 实际按每年的平均未偿本金计算，会随还款逐年略降；这里按基础贷款额估算首年金额。Annual MIP is charged on each year's average outstanding balance, so it falls slightly every year; this shows the first-year estimate on the base loan.

计算结果可以作为最终依据吗？Can I rely on the result?

「FHA贷款计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The FHA Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「FHA贷款计算器」免费吗？需要注册吗？Is the FHA Loan Calculator free? Do I need an account?

「FHA贷款计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The FHA Loan Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.