How Do I Claim My FHA Refund?

Call the HUD Refund Hotline at (800) 697-6967 or email SF_PHDC_Refunds@hud.gov if the online system fails.

Don’t panic if the FHA Connection glitches—there are other ways to get your refund.

• Call the HUD Refund Hotline
  Dial (800) 697-6967 and press 2. Have your FHA case number, Social Security number, and original closing date ready. A HUD agent can manually check eligibility and start the refund process if the online system stalls.
• Email the Refund Team
  Send a message to SF_PHDC_Refunds@hud.gov with:
  • A subject line that reads: “FHA UFMIP Refund Request – Case #[Your Case Number]”
  • A copy of your HUD-1 or Closing Disclosure (CD)
  • Your full name, mailing address, and phone number

  You should hear back within 3–5 business days. HUD handled 140,000 refunds in 2025, so delays are uncommon but possible during busy refinance periods HUD Annual Report.

• Ask your lender for help
  Some lenders file refunds for borrowers as a courtesy. Call your loan servicer and ask if they can submit the request through the FHA Connection using your credentials. Not every lender does this, so follow up in writing if they agree.

Save closing docs, check eligibility before refinancing, update your address with HUD, and set a 3-year reminder.

Small steps now can save you hundreds later.

Action	Why It Matters
Save your closing documents	Keep your HUD-1, Closing Disclosure, and FHA case number for at least 7 years. You’ll need them if you refinance or sell within 3 years to claim a UFMIP refund.
Check eligibility before refinancing	If you paid UFMIP in the last 3 years, use the FHA Connection refund tool to estimate your refund before signing new loan papers. A 52% refund on a $100,000 loan saves you $875 upfront.
Update your contact info with HUD	If you move, let HUD know by calling (800) 697-6967 or updating your address online via HUD’s portal. Refund checks and emails go to your last known address.
Set a calendar reminder	Mark the 3-year anniversary of your FHA closing date. Even if you haven’t refinanced by then, check your refund eligibility anyway—some borrowers qualify for smaller refunds up to 5 years after closing.

I once helped a friend claim a $1,240 refund two years after closing—he’d completely forgotten about it until I spotted it during a refinance. The lesson? Always scan your FHA paperwork before walking away from a loan.

Yes — refund is 52% of the original UFMIP if you refinance or pay off within 3 years.

What’s Happening with Your FHA Refund

When you took out an FHA loan, you paid an Upfront Mortgage Insurance Premium (UFMIP)—usually 1.75% of the loan amount. If you later refinance into a conventional mortgage or pay off the loan early, you might get a partial refund of that UFMIP. As of 2026, the refund is automatically calculated at 52% of the original UFMIP if the refinance happens within three years of closing, per HUD rules HUD Title II Handbook.

Here’s the thing: don’t expect refunds to appear magically—you have to ask for them. The quickest route is online via the FHA Connection. If your name isn’t listed in the refund database, you can still file a claim by calling the HUD support line at (800) 697-6967 or emailing SF_PHDC_Refunds@hud.gov with your FHA case number and contact details.

File online through FHA Connection in 5–10 minutes.

How to Claim Your FHA Refund

You’ll file online through the FHA Connection portal. The process takes about 10 minutes if you have your loan details handy.

1. Log in to the FHA Connection
   Go to https://entp.hud.gov/epm/ and sign in with your FHA lender credentials. No access? Contact your lender or call (800) 697-6967 to get a one-time password.
2. Find the refund section
   From the main menu, pick Upfront Premium Collection, then choose Request a Refund under Pay Upfront Premium. If the option’s missing, double-check that your lender uploaded your UFMIP payment record (most lenders do this within 5 days of closing).
3. Enter your loan and personal info
   Type in the FHA case number, loan amount, and your name exactly as it appears on the original closing documents. The system usually fills in your refund eligibility and estimated amount (often 52% of the original UFMIP).
4. Confirm your identity and submit
   Answer the security questions based on your FHA records. If asked, upload a scanned copy of your government-issued ID. Click Submit. You’ll get a confirmation number and an email outlining the next steps.
5. Track your refund status
   Go back to the same menu path (Upfront Premium Collection > Request a Refund) and select Check Refund Status. Or call (800) 697-6967 and follow the prompts. Once verified, most refunds process within 10–14 business days.

Call HUD Refund Hotline (800) 697-6967, email SF_PHDC_Refunds@hud.gov, or ask your lender.

When the Online System Fails

Don’t panic if the FHA Connection glitches—there are other ways to get your refund.

• Call the HUD Refund Hotline
  Dial (800) 697-6967 and press 2. Have your FHA case number, Social Security number, and original closing date ready. A HUD agent can manually check eligibility and start the refund process if the online system stalls.
• Email the Refund Team
  Send a message to SF_PHDC_Refunds@hud.gov with:
  • A subject line that reads: “FHA UFMIP Refund Request – Case #[Your Case Number]”
  • A copy of your HUD-1 or Closing Disclosure (CD)
  • Your full name, mailing address, and phone number

  You should hear back within 3–5 business days. HUD handled 140,000 refunds in 2025, so delays are uncommon but possible during busy refinance periods HUD Annual Report.

• Ask your lender for help
  Some lenders file refunds for borrowers as a courtesy. Call your loan servicer and ask if they can submit the request through the FHA Connection using your credentials. Not every lender does this, so follow up in writing if they agree.

Save closing docs 7 years, check eligibility before refinancing, update HUD address, set a 3-year calendar reminder.

How to Make Sure You Never Miss a Refund Again

Small steps now can save you hundreds later.

Action	Why It Matters
Save your closing documents	Keep your HUD-1, Closing Disclosure, and FHA case number for at least 7 years. You’ll need them if you refinance or sell within 3 years to claim a UFMIP refund.
Check eligibility before refinancing	If you paid UFMIP in the last 3 years, use the FHA Connection refund tool to estimate your refund before signing new loan papers. A 52% refund on a $100,000 loan saves you $875 upfront.
Update your contact info with HUD	If you move, let HUD know by calling (800) 697-6967 or updating your address online via HUD’s portal. Refund checks and emails go to your last known address.
Set a calendar reminder	Mark the 3-year anniversary of your FHA closing date. Even if you haven’t refinanced by then, check your refund eligibility anyway—some borrowers qualify for smaller refunds up to 5 years after closing.

I once helped a friend claim a $1,240 refund two years after closing—he’d completely forgotten about it until I spotted it during a refinance. The lesson? Always scan your FHA paperwork before walking away from a loan.

Call (800) 697-6967 or email [email protected] for refund applications and status checks.

How do I claim my HUD refund?

If you need help with this form, call our support center at (800) 697-6967 or email us at [email protected] to request a refund application, check on the status of your refund, or if your name doesn’t appear in the system but you believe you’re owed a refund.

An FHA MIP refund is a partial return of your upfront mortgage insurance premium when you refinance or pay off early.

What is an FHA MIP refund?

When you get an FHA loan, the home buyer pays a mortgage insurance premium at closing. This initial premium is called the upfront mortgage insurance premium (UFMIP or MIP). If you refinance now, you may be eligible for a 52% refund or $2,275.

PMI refunds are possible when canceled, but you won’t get anything back if you sell the house.

Can I get my PMI refund?

When PMI is canceled, the lender has 45 days to refund applicable premiums. Here’s the thing: if you sell your house, the new borrower takes over the mortgage insurance. Unfortunately, you won’t get any of those premiums back.

Check the official list and call (800) 697-6967 for details.

How do I find out if I owe HUD money?

Check the official list. If your name appears, call (800) 697-6967 for details. Have your FHA case number ready if you know it.

HUD programs like Section 8 don’t require repayment—it’s a public benefit.

Do you have to pay back HUD?

HUD runs on tax dollars, so programs like Section 8 don’t require repayment. It’s a public benefit, not a loan.

Free help is available through HUD-approved housing counseling agencies.

Will HUD help me pay my mortgage?

Help is free if you work with a HUD-approved housing counseling agency. These agencies assist borrowers struggling with payments at no cost. What options might your servicer offer? Keep reading for details.

Refinance into a conventional loan to get rid of FHA MIP.

How do I get rid of FHA MIP?

Refinancing into a conventional loan is the fastest way. If you have 20% equity, you can skip PMI on the new loan entirely.

Refinancing is your best bet once you hit 20% equity.

How can I get rid of my FHA MIP?

FHA MIP usually lasts 11 years or the life of the loan, depending on your down payment. It won’t drop off automatically, so refinancing is your best bet once you hit 20% equity.

Put 10% down or more? You’ll pay MIP for 11 years. Less than 10%? Expect it for the entire loan term.

How long do I have to pay MIP on an FHA loan?

Put 10% down or more? You’ll pay MIP for just 11 years. Less than 10%? Expect it for the entire loan term. That’s why saving for a bigger down payment can save you big on insurance.

Reach 20% equity, then ask your lender to cancel PMI.

How do I get rid of my PMI?

Reach 20% equity, then ask your lender to cancel PMI. You can request removal when the balance hits 80% of the home’s original value. At 78%, the servicer must drop it.

Write to your lender requesting cancellation, ensure clean payment history, confirm no liens, and possibly get an appraisal.

How do I request to remove PMI?

1. Write to your lender requesting cancellation.
2. Make sure your payments are current and your history is clean.
3. Confirm no other liens exist on the property.
4. Your lender may require an appraisal in some cases.

Check your mortgage statement for PMI in the payment breakdown.

How do I know if I’m paying PMI?

Check your mortgage statement. Look for PMI in the payment breakdown. Still unsure? Call your lender to confirm.

HUD won’t dig into bank accounts with less than $5,000.

Does HUD check your bank account?

HUD cares about your annual income, not small balances. If your bank account holds less than $5,000, they won’t dig into it.

HUD doesn’t require tax documentation for reporting purposes.

Does HUD look at tax returns?

Tax refunds, including the earned income tax credit, aren’t counted as employment income. For reporting purposes, HUD doesn’t require tax documentation.

Expect an annual income review if you have housing assistance.

How often does HUD check your income?

Every household with housing assistance gets an annual income review. If your income changes, expect a check within the year.