FHA MIP Refund Chart & Guide | 2026 Mortgage Insurance Premiums
Home buyers pay an upfront mortgage insurance premium when they close on an FHA loan. This upfront fee — known as UFMIP or MIP — equals 1.75 percent…
Mortgage guides and national rates
Find your bearing on rates, loans and buying a home.
Plain-language guides to buying, refinancing and owning a home, and the rates to measure your quotes against.
National rates
As of
30-year fixed purchase
7.34%
7.42% APR Down0.02
The faint needle marks the rate before the last update. Rate assumptions
Start with what you’re doing
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Buy a home
Down payments, approval and what to expect from offer to closing.
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Refinance
Lower your rate, change your term or put your equity to work.
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Loan programs
FHA, VA, USDA and conventional loans, and who each one fits.
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