How do I calculate the UFMIP refund on a FHA Streamline Refi when I don't know the original UFMIP?

It is a bit tough when you don't know the initial UFMIP, but it can be reverse calculated using the original balance. Here is the equation to find the original base loan amount:
Base loan amount = Original loan amount/1.0175

Then subtract the base loan amount from the original loan amount to find the original UFMIP.

Refer to the attached chart below to find out what percentage of the original UFMIP can be refunded, then subtract the refund from the new UFMIP to get the new reduced UFMIP and check the box to finance it in.

http://portal.hud.gov/hudportal/documents/huddoc?id=4155-2_7.pdf

While this process is very detailed, it is not a requirement. Many of our members simply let the borrower know that they will be eligible for a partial refund of the UFMIP depending on when they close the new loan.