🧮 Upfront + annual + total
⚖️ vs FHA MIP
Calculadora Guarantee Fee
Fee exacto + comparación con FHA MIP.
Your numbers
$
%
yrs
Fee upfront (1%)
$3,000
Al loan.
Fee mensual (0.35%)
$88
Vida del loan.
Full breakdown
Home price$300,000
Loan base100% precio$300,000
+ Upfront fee (1%)$3,000
Loan totalwhat you finance$303,000
Monthly P+I$1,914
Annual fee mensual$88
Total mensual con fee$2,002
USDA vs FHA en fees
Total fees sobre 30 años:
USDA
$34,680
Upfront + mensual
FHA
$53,666
MIP upfront + vida
USDA ahorra ~$19K sobre 30 años vs FHA.
Considerations
USDA gana claro sobre FHA en fees.
USDA vs Conv 20% down: compara ambos.
VA vs USDA: 10+ años VA, 5-8 años USDA.