An FHA-financed purchase includes title and settlement charges as well as loan-related costs. Mortgage insurance is separate from title insurance. Ask your lender to identify the mortgage insurance charges on your disclosures.

For most FHA forward purchase and refinance loans, the upfront mortgage insurance premium is 1.75% of the base loan amount. Annual premium details depend on the applicable program and transaction. HUD’s FHA premium guidance.

Confirm the figures with the lender for your actual loan. Request an itemized title and settlement quote using the same property and transaction details.