FHA Loan
An FHA loan is backed by the Federal Housing Administration and designed for borrowers with lower credit scores or smaller down payments. Minimum down payment is 3.5% with a 580+ credit score (10% with 500–579). FHA loans charge both an upfront MIP (1.75% of loan amount) and monthly MIP. Unlike conventional PMI, FHA MIP lasts for the life of the loan on down payments below 10% — the only way to remove it is refinance to conventional.
한국어
FHA 대출은 연방주택청 보증으로, 신용점수가 낮거나 다운페이가 적은 차주를 위한 것입니다. 최소 3.5%(신용 580+) 또는 10%(500~579). 평생 MIP 부담.
日本語
FHAローンは連邦住宅局が保証するローンで、信用スコアが低いまたは頭金が少ない借り手向け。最低頭金3.5%（信用580+）または10%（500〜579）。MIPはローン寿命続く場合があります。
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