REFINANCE

FHA Streamline

Model FHA payment and combined rate changes and screen standard seasoning at case assignment.

Conventional & FHA Refinance Benefit FHA Residual Income

HUD / FHALast agency guidance update: Aug 12, 2026Last verified: Nov 9, 2026Effective date: Nov 10, 2026

Agency guidanceSee verification scopeView guideline history

HUD / FHAHandbook 4000.1 II.A.8, August 2026 revision ↗FHA-II.A.8-2026-11

Material guidance update: Aug 12, 2026
Last verified: Nov 9, 2026
Effective date: Nov 10, 2026

The August revision includes a November 10 mandatory change to refinance documentation, with optional adoption beginning August 12. The worksheet preserves a separate historical review path.

HUD / FHAHandbook index and previous revisions ↗

Source publication: Not yet verified
Last verified: Not yet verified
Effective date: Not yet verified

01 / SCENARIO

Inputs

Start with the example or enter your own figures. You can type dollar amounts above the slider ranges.

Check any that apply

Start with the standard inputs. Select an option to see the extra fields.

The old or new loan is an ARM

The remaining term is reduced by three years or more

The loan has forbearance, a modification, or unusual payment history

The lender adopted the August 2026 handbook revision early

The borrower receives cash back

Original FHA closing date

First payment due date

New case assignment date

Payments made

Existing FHA loan current?

Existing note rate

Proposed note rate

Existing annual MIP rate

Proposed annual MIP rate

Existing monthly P&I

Proposed monthly P&I

Existing monthly MIP

Proposed monthly MIP

02 / WORKSHEET

Results

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