What is upfront FHA MIP?
A 1.75% one-time mortgage insurance premium charged on every FHA loan, calculated on the base loan amount. Almost always financed into the loan.
What this actually means.
The upfront MIP is paid to HUD at closing. Financing it adds to the loan balance — that's why FHA loan amounts often look slightly higher than the down-payment math suggests.
Where this can move.
Loan term, LTV at origination, HUD's published MIP schedule at the time of origination, and refinance options can change the long-term cost.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.