Minha Casa Minha Vida Financing Simulator

Enter household income, region, FGTS account-holder status, property value, down payment, FGTS used as down payment, informed subsidy, term, and SAC or Price.

The calculator estimates band, source-table nominal rate, financed amount, payments, and interest. Treat it as screening before the official bank simulator.

Version 2026-07-03 classifies urban monthly income as Faixa 1 up to R$3,200, Faixa 2 up to R$5,000, Faixa 3 up to R$9,600, and Classe Media up to R$13,000.

Income above R$13,000 appears as outside MCMV in this tool and receives no automatic official rate.

The source table publishes nominal annual rates. To simulate payments, the tool divides the rate by 12 and also shows the equivalent annual effective rate.

SAC creates constant principal amortization and decreasing payments. Price creates a nearly constant payment under a fixed-rate assumption.

The public page gives caps and general factors, but does not publish a complete formula for each household's individual subsidy.

Therefore, the subsidy field should contain only a value from an official simulator, bank quote, or institution guidance.

For Faixas 1 and 2, the source page uses a national range from R$210,000 to R$275,000, but the effective cap can depend on the municipality.

Faixa 3 uses a R$400,000 national cap and Classe Media uses R$600,000 in the consulted version.

Real contracts can include CET, insurance, fees, registration, ITBI, due dates, rounding, indexation, and credit analysis.

A favorable result does not guarantee approval, rate, subsidy, property cap, or final schedule.