Fha Mip Transactions Chart
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1FHA MIP CHART
NON-STREAMLINE TRANSACTIONS
Loan Term < 15 Years
Loan Term > 15 Years
> 90.00% LTV
≤ 90.00% LTV*
> 95.00% LTV
90.01-95.00
< 90%*
Case Number Assignment Date
UFMIP
ANNUAL
UFMIP
ANNUAL
UFMIP
ANNUAL
UFMIP
ANNUAL
UFMIP
ANNUAL
1.75%
0.80%
ON OR AFTER 9/14/2015
1.75%
0.70%
1.75%
0.45%
1.75%
0.85%
1.75%
0.80%
*Duration of mortgage insurance is 11 years. All other durations are for full mortgage term.
SIMPLE REFINANCE AND STREAMLINE TRANSACTIONS
Loan Term > 15 Years
Loan Term ≤ 15 Years
> 95.00% LTV
≤ 95.00% LTV
> 90.00% LTV
78.01% - 90.00% LTV
≤ 78.00% LTV
Case Number
Endorsement Date
UFMIP
ANNUAL
UFMIP
ANNUAL
UFMIP
ANNUAL
UFMIP
ANNUAL
UFMIP
ANNUAL
Assignment Date
After 5/31/2009
1.75%
0.85%
1.75%
0.80%
1.75%
0.70%
1.75%
0.45%
1.75%
0.45%
ON OR AFTER
9/14/2015
ON OR BEFORE 5/31/2009
0.01%/0.55% Regardless of Term or LTV
Calculate the UFMIP by multiplying the appropriate factor by the base loan amount.
Calculate the monthly MIP by multiplying the base loan amount by the Annual MIP factor divided by 12.
This chart is only applicable for loan amounts less than or equal to $625,500. For loan amounts greater than this amount please refer to the HUD website for further
guidance.
LAST MODIFIED: 12/07/2015
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