How does FHA calculate the monthly Mortgage Insurance Premium (MIP)?

The monthly premium calculation with examples and pseudo code is available at:

For additional information or to request correction contact the Single Family Insurance Operations Division.
The Single Family Insurance Operations Division’s (SFIOD) Lender Assistance Section assists lenders with monthly (periodic) and upfront mortgage insurance premium issues. 

Questions may be emailed to SFIOD at:

Questions related to the Collection Process of Monthly MIP may be emailed to:

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-03502