FHA MIP Refund Chart & Guide | 2026 Mortgage Insurance Premiums
Home buyers pay an upfront mortgage insurance premium when they close on an FHA loan. The FHA MIP refund chart shows how much of that fee they may…
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
7.31%
7.38% APR Down0.07
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, conventional and non-QM loans, and who each one fits.
Most-read guides
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Readers’ mortgage questions, answered by Tim, who has worked as a loan originator and mortgage processor.
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Home Buying
What Happens After Your Offer Is Accepted: The Timeline to Closing Day
Mortgage Pre-Approval: What Lenders Check and What the Letter Means