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FHA Upfront Mortgage Insurance Premium Rates

The Upfront Mortgage Insurance Premium (UFMIP) is a fee that’s charged to the borrowers up front for all FHA purchase loans, cash-out refinances and rate-term refinances that aren’t streamline loans. Purchase and non-streamline refinance loans have Upfront MIP amounts of 1.75% of proposed loan amount and is added to the mortgage balance at closing.

  • Purchase Loans, Cash-Out Refinance or Rate-Term Refinance
    • UFMIP Rate of 1.75% 
  • FHA Streamline Refinance
    • Original FHA loan endorsed before 6-1-2009 – UFMIP Rate of 0.01%
    • Original FHA loan endorsed after 6-1-2009 – UFMIP Rate of 1.75%
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