---
title: "FHA MIP Eligibility Calculator"
method: POST
path: "/v1/tools/compute_fha_mip_eligibility"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# FHA MIP Eligibility Calculator

`POST /v1/tools/compute_fha_mip_eligibility`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_fha_mip_eligibility`
- Auth: none declared

FHA mortgage insurance premium (MIP) eligibility and cost calculator per HUD Handbook 4000.1. UFMIP: 1.75% of base loan. Annual MIP grid (0.15%-0.75%) by base loan amount vs $726,200 threshold, LTV, and term. MIP duration: 11 years when original LTV at or below 90%; life-of-loan when above 90%. Qualifying ratios: 31% front-end / 43% back-end (compensating factors to 40%/57%). Credit score floors: 580 for 96.5% LTV; 500-579 for 90% max. Table version: HUD-MIP-ML2023-05-ML2024-01 (HUD Mortgagee Letter 2023-05, effective 2023-03-20).

**Tool URL:** https://ainumbers.co/chaingraph/art-224-fha-mip-eligibility.html

## Request body

- object
  - `back_end_dti_pct` number: Percentage value
  - `base_loan_amount` number
  - `fico_score` number
  - `front_end_dti_pct` number: Percentage value
  - `loan_purpose` unknown, required
  - `ltv_pct` number: Percentage value
  - `term_years` number

## Response `200`

Successful tool execution result

- object
  - `annual_mip` object
    - `annual_amount` integer
    - `duration` string
    - `monthly_amount` number
    - `rate_pct` number
  - `dti` object
    - `back_dti_ok` boolean
    - `back_end_actual_pct` integer
    - `back_end_guideline_pct` integer
    - `compensating_factors_needed` boolean
    - `front_dti_ok` boolean
    - `front_end_actual_pct` integer
    - `front_end_guideline_pct` integer
  - `fha_eligible` boolean
  - `fico_eligible` boolean
  - `ltv_eligible` boolean
  - `max_ltv_pct` number
  - `note` string
  - `pii_note` string
  - `regulatory_basis` string
  - `table_source` string
  - `table_version` string
  - `ufmip` object
    - `amount` integer
    - `note` string
    - `rate_pct` number

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)