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Calculadora de Ahorros para el Pago Inicial
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Ahorros para el Pago Inicial
Los préstamos convencionales a menudo requieren un pago inicial del 3%–20%. Un pago inicial del 20% evita el PMI; para una casa de $400,000, eso es $80,000. Muchos compradores primerizos usan el 5%–10% ($20,000–$40,000 en $400,000).
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Sources & References
Down Payment Requirements
Based on conventional, FHA, VA, and USDA loan guidelines from HUD, Fannie Mae, and Freddie Mac. Down payment requirements range from 0% (VA/USDA) to 3.5% (FHA) to 5-20% (conventional).
Mortgage Insurance Costs
PMI and MIP data from Urban Institute and mortgage lenders. Private mortgage insurance typically costs 0.3-1.5% annually on conventional loans under 20% down. FHA mortgage insurance includes 1.75% upfront plus 0.45-1.05% annual premiums.
Disclaimer
This calculator provides savings projections based on user inputs. Actual results depend on discipline, returns, and market conditions. Down payment assistance programs have eligibility requirements. Consult with mortgage lenders and housing counselors for personalized guidance.