Calculate Your UFMIP Refund

How UFMIP Refunds Work

When you refinance out of an FHA loan within 36 months of closing, you may be eligible for a partial refund of your Upfront Mortgage Insurance Premium (UFMIP). The refund amount decreases by approximately 2% each month.

$

The original principal balance of your FHA loan

Number of months since your FHA loan closed (1-36)

Results = Estimates (Not an Offer) Refund amounts shown are estimates for educational purposes only and are not a loan approval, commitment, or guarantee. The UFMIP refund schedule is based on HUD's published refund table and assumes a 1.75% upfront MIP rate. Actual refund amounts depend on your original closing date, loan amount, and FHA case number. Refunds are only available when refinancing within 36 months of the original FHA loan closing. This calculator does not account for partial months or special circumstances.

Enter your loan details above to calculate your potential UFMIP refund

Todd Hanley

Don't Leave Your UFMIP Refund on the Table

If you're refinancing within 36 months of your FHA closing date, you may be entitled to a prorated refund of your upfront mortgage insurance premium. At month 37, that refund drops to $0. I make sure every FHA borrower knows their refund window — and we time the refinance to capture it.

— Todd Hanley, Senior Loan Officer | RICP

Ready to Refinance?

Let's discuss your options and ensure you capture your UFMIP refund.

Call (954) 806-5114