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FHA Streamline Refinance Calculator

Seasoning check, UFMIP refund, Net Tangible Benefit -- all three HUD gates, in 60 seconds.

  1. 1 FHA loan today
  2. 2 New rate offer
  3. 3 UFMIP refund
  4. 4 Your results

Your FHA loan today

FHA streamline does not require an appraisal or income docs, but HUD has three eligibility gates. We check them all. Start with your current loan numbers.

$
Principal balance from your latest statement -- not the payoff quote.
%
HUD requires 210 days (roughly 7 months) plus 6 on-time payments before you can streamline. If you are under 7 months, the calculator will show you why the loan is ineligible.

Numbers above are estimates from standard mortgage math and 2026 program rules. Your actual rate depends on your credit, debt-to-income, property type, and lender pricing. RobotRefi is not a lender and does not originate loans.

How RobotRefi calculates this

01

Three HUD gates you have to clear

Seasoning (210 days + 6 payments), Net Tangible Benefit (0.50% combined rate drop), and the UFMIP math. A lender cannot submit the loan to HUD if any gate fails -- no exceptions. This calculator checks all three before telling you yes or no.

02

UFMIP refund offsets the new charge

FHA charges 1.75% upfront MIP on the new loan. If you are within 36 months of your original closing, you get a partial credit that offsets most of that charge. The refund is 80% at month 1 and declines linearly to 0% at month 36. After that, the new UFMIP is pure cost.

03

MIP is for life on post-2013 FHA loans

FHA loans originated after June 3, 2013 with original LTV above 90% carry MIP for the full loan term. A streamline resets the clock but does not remove MIP. If you have built significant equity, a conventional refi might remove MIP entirely -- run that comparison before assuming streamline is the best move.