Claim a refund on prepaid FHA mortgage insurance premiums — often forgotten at refinance or payoff.
Get started at US Department of Housing and Urban Development → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.8 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Anyone who paid off or refinanced an FHA-insured mortgage and never claimed the MIP refund.
HUD/FHA Mortgage Insurance Refund — Claim a refund on prepaid FHA mortgage insurance premiums — often forgotten at refinance or payoff. Best for: Anyone who paid off or refinanced an FHA-insured mortgage and never claimed the MIP refund.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Search the HUD FHA refunds portal at hud.gov/program_offices/housing/comp/refunds. Enter your last name and FHA case number (found on your original loan documents or closing disclosure) to check eligibility. Alternatively, call HUD at 1-800-CALL-FHA (1-800-225-5342). HUD attempts to mail refund notices to the last known address on record — if you've moved since payoff, proactive search is the safest approach.
The refund amount depends on how much you paid in upfront FHA mortgage insurance premium (UFMIP) and how many months have passed since loan payoff. FHA refunds a declining percentage of the UFMIP over a 3-year eligibility window — the refund is highest within the first year and decreases each subsequent year. Most refunds are in the hundreds to low thousands of dollars range. HUD's refund estimator can give a figure based on your loan origination date and payoff date.
FHA mortgage insurance refunds are available for up to 3 years after the loan is paid off or refinanced. After 3 years, refund eligibility expires. The refund amount decreases each year — early filing captures a higher percentage. If your loan was paid off within the last 36 months and you haven't already received or claimed a refund, search now.
No. ClearValue Lending is a small business funding platform — not a government agency or HUD/FHA affiliate. This review is editorial content explaining how to search for FHA mortgage insurance refunds. The claim process is conducted directly through HUD at hud.gov/program_offices/housing/comp/refunds or by calling 1-800-CALL-FHA.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.