FHA Cuts Apartment Loan Fees to 0.25% for Simplicity
Published Date: 6/26/2025
Notice
Summary
Starting soon, FHA is planning to cut mortgage insurance premiums to just 0.25% for all multifamily loans, making it cheaper to finance apartment buildings and similar properties. This change will replace the old 2016 categories that no longer fit today’s goals. If you’re a property owner or developer, get ready for big savings and simpler rules coming your way!
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Multifamily MIPs Cut to 0.25%
HUD proposes to reduce mortgage insurance premiums (MIPs) to 0.25% for all Federal Housing Administration (FHA) Multifamily Insurance Programs. The proposal references the January 20, 2025 presidential memorandum directing price relief and would replace prior MIP rates with this single 0.25% rate.
2016 Multifamily MIP Categories Eliminated
HUD proposes to eliminate the 2016 MIP rate categories—Green and Energy Efficient Housing, Affordable Housing, and Broadly Affordable Housing—that were established by the March 31, 2016 notice. HUD says those categories are misaligned with the January 20, 2025 presidential memorandum and would become economically obsolete.
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