FHA UFMIP · reference calculator
What FHA's upfront premium actually costs on a streamline refinance
Every FHA loan carries a one-time upfront mortgage insurance premium (UFMIP). On a refinance, part of the premium paid on the old loan can come back as a credit. This page walks one sample loan through HUD's rules step by step, then lets you run your own.
The sample loan
Illustrative, not a real borrower
Your turn
Run your own loan
It starts from the sample. Change anything and the steps update as you type. Nothing you enter leaves this page.
How it's built, and its limits
- One engine, two languages. The rules live in Python in the Trigger Ladder repo (src/core/ufmip.py), covered by 49 test cases. This page runs a JavaScript port that matched the Python field for field on 60,000 generated loans.
- Money stays in whole cents, so rounding never drifts. Every step that rounds says which way.
- The refund clock starts at the old loan's closing date. That is an assumption the code flags. The official refund figure comes from FHA Connection, HUD's lender system.
- Cash-out refinances are treated as eligible for the refund credit. Also flagged as an assumption.
- Scope: forward FHA loans with case numbers assigned on or after March 20, 2023 (the current rate table). Older dates get an "out of range" message instead of a guess. Reverse mortgages (HECM) are out of scope.
A reference for checking the arithmetic against HUD Handbook 4000.1, Appendix 1.0. It is not an underwriting decision or a loan offer.