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FHA Homeowners Fact Sheet

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Who may be eligible for an FHA refund or share?

Premium Refund: You may be eligible for a refund of a portion of the insurance premium if you:

Review your settlement papers or check with your mortgage company to determine if you paid an up-front premium.

Distributive Share: You may be eligible for a share of any excess earnings from the Mutual Mortgage Insurance Fund if you:


Assumptions: When an FHA-insured loan is assumed, the insurance remains in force (the seller receives no refund). The owner(s) of the property at the time the insurance is terminated is entitled to any refund.

FHA to FHA Refinances: When an FHA loan is refinanced, the refund from the old premium may be applied toward the up-front premium required for the new loan.

Claims: When a mortgage company submits a claim to HUD for insurance benefits, no refund is due the homeowner.

Statute of Limitations: HUD is not liable for a distributive share that remains unclaimed 6 years from the date notification was first sent to the last known address of the mortgagor.

How are refunds determined?

For any FHA-insured loans with a closing date prior to January 1, 2001, and endorsed before December 8, 2004, no refund is due the homeowner after the end of the seventh year of insurance. For any FHA-insured loans closed on or after January 1, 2001 and endorsed before December 8, 2004, no refund is due the homeowner after the fifth year of insurance. For FHA-insured loans endorsed on or after December 8, 2004, no refund is due the homeowner unless they refinanced to a new FHA-insured loan, and no refund is due these homeowners after the third year of insurance.

How are refunds processed?

Documents required for homeowner refunds:

Proof of Identity: The homeowner must present two (2) forms of identification; at least one of the documents must be from the primary document list below. If the full legal name is different on any primary document, see the name change information below.

Primary Documents: US Birth Certificate or Registration of Birth, US Passport or Passport Card, Permanent Resident Card (aka ā€œgreen cardā€),  US photo driver license, US territory photo driver license, or State issued non-driver identification card

Secondary Documents:

  • US issued photo learner permit
  • US Military ID or dependent card with photo
  • Military discharge/separation papers (DD-214)
  • Marriage or Civil Union Certificate (certified copy issued by town/city)
  • Social Security Card (Not laminated or metal, 16 and older must sign)
  • Baptismal certificate or similar document
  • State or Federal Employee Identification
  • Employment Authorization card (aka work permit)
  • Veteran Health Identification Card (VHIC)
  • Certificate of Naturalization
  • Certificate of US Citizenship

Proof of Social Security Number: The homeowner must present one of the following documents to prove their Social Security number: Social Security card, W-2 form (issued within 5 years), 1099 (issued within 5 years)

Proof of Current Address: The homeowner must provide two (2) forms of verification from two (2) different sources to prove their current home address. The documents must show their name and their address, be dated within 90 days (unless stated otherwise below), and be computer generated (typed)

Proof of Current Address documents:

  • Bill from a bank or mortgage company, utility company, credit card company, doctor or hospital
  • Bank statement or bank transaction receipt showing the bankā€™s name and mailing address
  • Pre-printed pay stub showing your employerā€™s name and address
  • Property or excise tax bill, or Social Security Administration or other pension or retirement annual benefits summary statement and dated within the previous 12 months
  • Medicaid or Medicare benefit statement
  • Current valid homeownerā€™s, renterā€™s policy or motor vehicle insurance card or policy dated within the previous 12 months
  • Current valid State motor vehicle registration
  • Current motor vehicle loan statement for a motor vehicle registered in their name
  • Current residential mortgage or similar loan contract, or current valid lease or rental contract showing signatures from all parties and dated within the previous 12 months
  • State voter registration card
  • Change-of-address confirmation from the United States Postal Service showing their prior and current address (Form CNL107)

How to follow-up:

If you do not receive a check or an application within 45 days after you have paid off your loan, check with your mortgage company to confirm that they have sent HUD a request to terminate the mortgage insurance on your loan. If they confirm that the correct termination information was sent, contact HUD. If you do not receive a refund or any other documentation from HUD within 120 days after the date you mailed your application, contact HUD immediately.

How to contact HUD:

Phone: (800) 697-6967, 8:30 a.m. to 5:00 p.m. Eastern Standard Time, Monday through Friday.

Email: Homeowners may email documentation to SF.Premiums@hud.gov

Mail: U.S. Department of Housing and Urban Development, P.O. Box 44372, Washington, DC 20026-4372.

In the event of fraud detection, the potentially incriminating information should be immediately referred to the HUD OIG hotline via email at hotline@hudoig.gov or telephone at 1-800-347-3735.

Please Note - All inquiries should include your name, your FHA case number, the date that the mortgage was paid-in-full, the property address, and your daytime phone number.


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llame usted a este numero telefonico (800) 697-6967.


IMPORTANT: The rules governing eligibility for premium refunds and distributive share payments are based on the financial status of the FHA insurance fund and are subject to change.