FHA Upfront MIP Refund Calculator

Estimate your refund. It carries into the loan calculation below automatically.

Enter the public-record details

Original FHA base loan amount *

Enter the original loan before financed upfront MIP.

Original closing date *

Use the recorded closing date.

Refund as ofUse the expected funding month.

Advanced: change the original UFMIP rate

Original UFMIP rate

Estimate only. The recorded closing date is a practical proxy. Confirm the official credit through FHA Connection when the case number becomes available.

FHA Streamline Maximum Loan Amount Calculator

Compare the two base loan amounts, then add the new upfront MIP.

Required Calculation 1

Based on your remaining balance

Remaining loan balancePrincipal only, before interest and fees.

Interest up to funding + MIP dueInclude no more than 60 days of interest.

Your upfront MIP refundSubtracted automatically.

Estimated base loan amount—

Enter the balance and interest + MIP due to see an estimate. Calculation #1: balance + interest and MIP − refund. Confirm the figures with the payoff in processing. This is not the final maximum loan amount. MIP due is the total for the period, not necessarily one monthly payment.

Required Calculation 2

Based on your original loan amount

Original total loan amountBase + financed UFMIP. Edit if your records differ or MIP was paid in cash.

Your upfront MIP refundSubtracted automatically.

Base loan limit from calculation #2—

Your estimated new loan amount

Lower of #1 and #2, plus new upfront MIP. One completed calculation gives a provisional estimate.

Calculation #1Incomplete

Calculation #2Incomplete

Refund: Not calculated yet.

Maximum base loan amountComplete either calculation above.: —
+ New upfront MIP (1.75%): —

= Estimated maximum total loan—

Complete either calculation to see a total.

Estimate only. Standard owner-occupied treatment; fully financed new UFMIP at 1.75%. Closing costs and escrows excluded. Confirm payoff, official refund and final amount with the underwriter. Eligibility is not checked.