Who gets the MIP refund if a home is sold by assumption?

When an FHA insured loan is assumed, the insurance remains in force (the seller receives no refund). The owner(s) of the property at the time the insurance is terminated are entitled to any refund.

To verify property owner information and to acquire MIP refund information go to:


In response to the COVID-19 pandemic, FHA is permitting homeowners to submit all documentation related to their application for a mortgage insurance premium refund to sf.premiums@hud.gov or faxing it to (301) 572-8079.  The e-mail link or fax option will eliminate the need to use traditional means such as the U.S. Postal Service and will allow FHA to continue to process homeowner refunds in an effective and safe environment. 
If you have any questions, please contact the Single Family Insurance Operations Division Call Center (800) 697-6967.

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-01479