Most FHA mortgage insurance programs require the payment of Upfront Mortgage Insurance Premium (UFMIP), which may be financed into the mortgage.
Indian Lands (Section 248) do not require a UFMIP.
The UFMIP is not considered when calculating the area-based Nationwide Mortgage Limits and LTV limits.
For more information see Handbook 4000.1 II.A. 2.e.i and Appendix 1.0 - Mortgage Insurance Premiums available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh