Your Current FHA Loan

Enter your existing mortgage details

Current Loan Balance

$

Outstanding principal balance on your current FHA loan

Current Interest Rate

%

Remaining Loan Term

yrs

How many years remain on your current loan

Current Loan Type

New Loan Terms

New Interest Rate

%

Rate you qualify for on the streamline refi

New Loan Term

Finance Upfront MIP? FHA UFMIP = 1.75% of base loan amount

Estimated Closing Costs

$

Lender fees, title, escrow — not rolling into loan

MIP Details

Current Annual MIP Rate

%

Typically 0.55% for loans >15 yr, LTV >90%

New Annual MIP Rate

%

FHA streamlines retain the same MIP structure

LTV > 90%?

Monthly Savings

—

Annual Savings

—

per year

Lifetime Savings

—

Payment Component	Current Loan	New Loan	Difference
Principal & Interest	—	—	—
Monthly MIP	—	—	—
Total Monthly Payment	—	—	—
Loan Balance	—	—	—

Break-Even Period

— months

0 12 months 24 months 36+ months

ℹ️

—

Ready to Lock In Your Savings?

Our FHA Streamline specialists can have you approved in as little as 15 days — no appraisal, no income verification required in most cases.

Call (888) 579-8665 Today

← Start a new calculation

Disclaimer: This calculator is provided for informational and illustrative purposes only. Results are estimates based on the information you enter and do not constitute a loan commitment, pre-qualification, or guarantee of terms. Actual loan amounts, rates, payments, MIP, and savings will vary. FHA Streamline eligibility requires a current FHA-insured loan, a satisfactory payment history, and a demonstrated Net Tangible Benefit as defined by HUD guidelines. Consult a licensed mortgage professional for personalized advice. GEM Mortgage | NMLS#2427 | Equal Housing Lender.