FHA Connection B2G MIP Calculator

Looking Up MIP for an Existing Case

1. Send the case Number (AgencyCaseIdentifier)

1. Specify AUS System (FHAVAAUS AUSSystem="")

2. Provide Loan Number (FHAVAAUS LoanNumber="")

3. Provide borrower SSN (SSN)

Calculating MIP

1. Provide the case establishment date (CaseReceivedDate)

2. Provide the borrower's three-digit FICO score (FHAVAFICO)

3. Provide the term of the loan, in months (LoanAmortizationTermMonths)

4. Provide the amount of the mortgage loan, not including financed closing costs or upfront MIP, in the Mortgage Amount (w/o Upfront MIP) field (up to 999999). Do not use a dollar sign, comma, or cents. (MortgageInsuranceTotalLiability)

5. Provide the appraiser's estimate of the market value of the property in the Appraised Value field (up to 999999). Do not use a dollar sign, comma, or cents. (SubjectPropertyAppraisedValueAmount)
   Leave this field blank if an appraisal is not required.

6. Optionally, type the contract sales price of the property in the Sale Price field (up to 999999). Do not use a dollar sign, comma, or cents. (PurchasePriceAmount)
   Leave this field blank for a refinance case.

7. Specify if the borrower is a first-time home buyer. (DECLARATIONS BorrowerFirstTimeHomebuyerIndicator)

8. Specify if the borrower received pre-purchase home ownership counseling by a HUD-approved counseling agency. (UNDERWRITINGCASE CounselingConfirmationType)

9. Specify if the case is a refinance. (FHAVA FHAVAPriorFinancingIndicator)

History of Changes

To run the MIP Calculator on the pilot system post your data to:
https://hwvauwd491.hud.gov/b2b/chums/f17mipcalc.cfm

To run Case Number Assignment in production post your data to:
https://entp.hud.gov/b2b/chums/f17mipcalc.cfm

Back to CHUMS Functions page.

XML File Layout

Key:

Linked data names in the XML layout are the FHA Direct/CHUMS data names. Clicking on these links will provide detailed information of the data items. (Links are shown as brown text to avoid obscuring underscores in data names.)

Data Reference

<?xml version="1.0" standalone="yes" ?> 
 <MORTGAGEDATA MISMOVersionID="1.0.1">
 <PROCESSSTATUS>
  <ProcessStatusCode>status</ProcessStatusCode>
  <ProcessStatusRequestor>browser</ProcessStatusRequestor>
  <ProcessStatusMessage sCode="1">mess</ProcessStatusMessage> 
  </PROCESSSTATUS>
 <APPLICATION>
  <AgencyCaseIdentifier>case_no</AgencyCaseIdentifier> 
  <PurchasePriceAmount>price</PurchasePriceAmount> 
 <UNDERWRITINGCASE CounselingConfirmationType="counsel">
 <FHAVA FHAVAPriorFinancingIndicator="prior_fha">
 <CaseReceivedDate>rec_date<CaseReceivedDate>
  <FHAVAAUS AUSSystem="aus" LoanNumber="lnumber" /> 
  <FHAVAMortgageInsurancePremium
  	UpFrontMIP="ufmip"
	UpfrontMIPFactorException="umipex"
	AnnualMIP="amip"
	AnnualMIPFactorException="amipex"
	UpfrontMIPFactor="umipf"
	AnnualMIPFactor="amipf" /> 
  <FHAVAFICO>fico</FHAVAFICO> 
  </FHAVA>
  </UNDERWRITINGCASE>
  </APPLICATION>
 <MORTGAGEINSURANCE>
  <MortgageInsuranceTotalLiability>mort</MortgageInsuranceTotalLiability> 
  </MORTGAGEINSURANCE>
 <PRODUCT>
  <LoanAmortizationTermMonths>loan_term</LoanAmortizationTermMonths> 
  </PRODUCT>
  <DECLARATIONS BorrowerFirstTimeHomebuyerIndicator="fthb" /> 
 <SUBJECTPROPERTY>
  <SubjectPropertyAppraisedValueAmount>value</SubjectPropertyAppraisedValueAmount> 
  </SUBJECTPROPERTY>
 <BORROWER BORROWERID="1">
  <SSN>ssn</SSN>
  </BORROWER>
  </MORTGAGEDATA>