FHA MIP refund chart: Phoenix Arizona mortgages and real estate loans

FHA Mortgage Insurance Refund Chart

The table listed below is to be used to calculate the remaining mortgage insurance premium that you paid at the time of origination. To calculate your estimated MIP refund, multiply your original upfront mortgage insurance premium with the factor listed in the table below.

MIP Refund Factors
Year 1		Year 3		Year 5
Month 1	0.9917	Month 25	0.7835	Month 49	0.3720
Month 2	0.9833	Month 26	0.7670	Month 50	0.3580
Month 3	0.9750	Month 27	0.7505	Month 51	0.3440
Month 4	0.9667	Month 28	0.7340	Month 52	0.3300
Month 5	0.9583	Month 29	0.7175	Month 53	0.3160
Month 6	0.9500	Month 30	0.7010	Month 54	0.3020
Month 7	0.9417	Month 31	0.6845	Month 55	0.2880
Month 8	0.9333	Month 32	0.6680	Month 56	0.2740
Month 9	0.9250	Month 33	0.6515	Month 57	0.2600
Month 10	0.9167	Month 34	0.6350	Month 58	0.2460
Month 11	0.9083	Month 35	0.6185	Month 59	0.2320
Month 12	0.9000	Month 36	0.6020	Month 60	0.2180
Year 2		Year 4		Year 6
Month 13	0.8917	Month 37	0.5840	Month 61	0.2068
Month 14	0.8833	Month 38	0.5660	Month 62	0.1957
Month 15	0.8750	Month 39	0.5480	Month 63	0.1845
Month 16	0.8667	Month 40	0.5300	Month 64	0.1733
Month 17	0.8583	Month 41	0.5120	Month 65	0.1622
Month 18	0.8500	Month 42	0.4940	Month 66	0.1510
Month 19	0.8417	Month 43	0.4760	Month 67	0.1398
Month 20	0.8333	Month 44	0.4580	Month 68	0.1287
Month 21	0.8250	Month 45	0.4400	Month 69	0.1175
Month 22	0.8167	Month 46	0.4220	Month 70	0.1063
Month 23	0.8083	Month 47	0.4040	Month 71	0.0952
Month 24	0.8000	Month 48	0.3860	Month 72	0.0840
Year 7
Month 73	0.0770
Month 74	0.0700
Month 75	0.0630
Month 76	0.0560
Month 77	0.0490
Month 78	0.420
Month 79	0.0350
Month 80	0.0280
Month 81	0.0210
Month 82	0.0140
Month 83	0.0070
Month 84	0.0000

MIP Refund Factors

Year 1

Year 3

Year 5

Year 2

Year 4

Year 6

Year 7