OpenChainGraph Suite · ART-224 · US Mortgage Agency and Government Loan Pricing

FHA MIP Eligibility Calculator

FHA mortgage insurance premium eligibility and cost calculation per HUD Handbook 4000.1. UFMIP: 1.75% of base loan amount. Annual MIP grid (0.15%–0.75%) by loan size vs $726,200 threshold, LTV, and term. MIP duration: 11 years if original LTV at or below 90%; life-of-loan if above 90%. Qualifying ratios: 31% front-end / 43% back-end. Credit score requirements: 580 for 96.5% max LTV; 500–579 for 90% max. Table: HUD-MIP-ML2023-05-ML2024-01.

HUD Handbook 4000.1 ML2023-05 / ML2024-01 UFMIP Annual MIP FHA Eligibility
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Loan data is personally identifiable. All inputs are processed locally in your browser. No data is transmitted.
ⓘ Not legal or compliance advice. Verify all outputs against current HUD/VA/FHFA/MISMO publications before use in production decisions.
Loan Characteristics
Principal loan amount before UFMIP financing. Used for MIP tier comparison against $726,200.
Loan-to-value ratio at origination. Drives MIP rate and duration; also caps max LTV by FICO.
Amortization term determines which MIP rate table applies (15 years or less vs. over 15 years).
Purchase, rate/term refinance, or cash-out refinance.
Borrower Qualification
580+ enables 96.5% max LTV. 500–579 caps at 90% LTV. Below 500 is ineligible.
Housing expense ratio. FHA guideline: 31%.
Total debt ratio. FHA guideline: 43%. Higher allowed with compensating factors.
FHA Eligibility
UFMIP (Upfront MIP)
Annual MIP
DTI Qualification
Execution Hash (SHA-256)







  

    
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Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_fha_mip_eligibility`. Task: FHA mortgage insurance premium (MIP) eligibility and cost calculator per HUD Handbook 4000.1.
Call it with arguments: {"policy_parameters":{"base_loan_amount":300000,"ltv_pct":96.5,"term_years":30,"fico_score":620,"front_end_dti_pct":30,"back_end_dti_pct":42,"loan_purpose":"purchase"}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-224-fha-mip-eligibility.html#p=v1.H4sIAAAAAAAA_wGSAG3_eyJiYXNlX2xvYW5fYW1vdW50IjozMDAwMDAsImx0dl9wY3QiOjk2LjUsInRlcm1feWVhcnMiOjMwLCJmaWNvX3Njb3JlIjo2MjAsImZyb250X2VuZF9kdGlfcGN0IjozMCwiYmFja19lbmRfZHRpX3BjdCI6NDIsImxvYW5fcHVycG9zZSI6InB1cmNoYXNlIn2jBUGfkgAAAA