OpenChainGraph Suite · ART-224 · US Mortgage Agency and Government Loan Pricing

FHA MIP Eligibility Calculator

FHA mortgage insurance premium eligibility and cost calculation per HUD Handbook 4000.1. UFMIP: 1.75% of base loan amount. Annual MIP grid (0.15%–0.75%) by loan size vs $726,200 threshold, LTV, and term. MIP duration: 11 years if original LTV at or below 90%; life-of-loan if above 90%. Qualifying ratios: 31% front-end / 43% back-end. Credit score requirements: 580 for 96.5% max LTV; 500–579 for 90% max. Table: HUD-MIP-ML2023-05-ML2024-01.

HUD Handbook 4000.1 ML2023-05 / ML2024-01 UFMIP Annual MIP FHA Eligibility
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Loan data is personally identifiable. All inputs are processed locally in your browser. No data is transmitted.
ⓘ Not legal or compliance advice. Verify all outputs against current HUD/VA/FHFA/MISMO publications before use in production decisions.
Loan Characteristics
Principal loan amount before UFMIP financing. Used for MIP tier comparison against $726,200.
Loan-to-value ratio at origination. Drives MIP rate and duration; also caps max LTV by FICO.
Amortization term determines which MIP rate table applies (15 years or less vs. over 15 years).
Purchase, rate/term refinance, or cash-out refinance.
Borrower Qualification
580+ enables 96.5% max LTV. 500–579 caps at 90% LTV. Below 500 is ineligible.
Housing expense ratio. FHA guideline: 31%.
Total debt ratio. FHA guideline: 43%. Higher allowed with compensating factors.
FHA Eligibility
UFMIP (Upfront MIP)
Annual MIP
DTI Qualification
Execution Hash (SHA-256)