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 Quick Start: Single Family Servicing Monthly Premiums

The Single Family Insurance Operations Division (SFIOD) of HUD's Office of Financial Services is responsible for the collection of periodic (monthly) mortgage insurance premiums through HUD's Single Family Premium Collection Subsystem - Periodic. The Monthly Premiums menu provides links for paying the monthly insurance premiums via the FHA Connection and getting reports on cases in the lender's portfolio, monthly mortgage insurance premiums due, and any discrepancies in the billing-payment process. These functions are used by lenders and service bureaus (organizations authorized by lenders to provide financial services for their loans) and can be accessed based on the user's authorization(s) (see User Administration [PDF] and/or Service Bureau Administration [PDF] in the FHA Connection Guide).

See also the FHA Connection Guide for more detailed information on Cash Flow Account Setup [PDF] (for paying monthly premiums), Monthly Premium Payments [PDF], and Monthly Premium Reports [PDF]. Additionally, the Single Family Premium Collection Subsystem-Periodic Information Packet on the HUD.GOV website provides pertinent information, including batch payment processing. To go to the Single Family Premium Collection Subsystem - Periodic Information Packet, click here.

Monthly Premiums Menu
Menu Option Description
Pay Periodic (Monthly) Premium
Update or View Payment Retrieves a list of lender's cases that were billed for monthly mortgage insurance premium. Only a lender with a portfolio of 3,000 cases or less is provided with a list of billed cases. Cases can be selected for payment and amounts can be updated. Only the total amount billed for each case if provided and a breakdown of the premium and late charges is not included. Cases that are not on the list of billed cases can be added to the list using Add Cases to Payment. For payments with 10,000 cases or less, a Microsoft® Excel® file can be downloaded containing the details of the payment. A new list of billed cases is available on or about the 17th day of each month.

Note: Update or View Payment only provides a list of billed cases for a servicing lender with 3,000 or less cases. A servicing lender with over 3,000 cases (high volume lender) is not provided with a list online. Instead, the lender uses the Billing report file to determine the cases to be paid and sends a payment by transmitting a batch file to HUD, CPU to CPU.
Add Cases to Payment Used to add cases to the payment list provided by Update or View Payment (i.e., cases that were not included in the Billing report file). Examples are a nonendorsed case for which amortization has begun or an endorsed case that was transferred to the lender's portfolio after the bill was created. A high volume lender can use Add Cases to Payment to make online payments for billed and/or non-billed cases. A case that is added and, according to HUD's records, is not in the lender's portfolio, is transferred to the lender's portfolio when the payment is settled by Pay.gov.
Submit Payment Used to submit payments for all cases specified through the Update or View Payment and Add Cases to Payment functions. A HUD tracking ID is provided for the payment and a receipt can be printed. For payments with 10,000 cases or less, a Microsoft® Excel® file can be downloaded containing the details of the payment.
View Payment History Used to track the status of an online payment or CPU to CPU batch file payment. For a payment submitted online with less than 10,000 cases, a Microsoft® Excel® file can be downloaded containing the details of the payment.
View Batch File Transmissions Used to view a list of batch files sent within the current billing period, CPU to CPU, for the payment of periodic premium. It includes files that were rejected due to formatting errors and the reason for the rejection.
Request a Refund Used to request a refund of paid monthly mortgage insurance premium.
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Monthly Premium Report Files
Portfolio Provides a detailed report on case(s) currently being serviced, including case information such as monthly premium, bill type, and servicer transfer date.
Lender Notification Provides information on unexpected monthly premium payments, e.g., a monthly premium payment that was:
remitted for another lender's case by you or remitted on your case by another lender
a case that was not billed, e.g., a nonendorsed case or one not requiring monthly premium payments
Case Detail Case Detail is not provided in a file format. Requests are processed immediately and viewed online between the hours of 8 a.m. and 8 p.m. Eastern Time Monday through Friday, excluding holidays. Information is provided online (via your browser) from the FHA Connection and may be printed using your browser's print command(s). Case Detail includes case status and monthly mortgage insurance premium payment information for endorsed and nonendorsed cases.
Advance Notices (available by the 10th day of each month) Pregenerated file that provides information about monthly premium changes for cases in the servicing lender's portfolio having an annual premium anniversary due date the following month. The Advance Notices function also includes cases endorsed the month before the report file was created, cases that were transferred to the lender's portfolio the month before the file was created, and cases that will no longer be assessed a monthly premium (provided in a one-time report that indicates 0.00 premium due). Use the View Schedule option on the Monthly Premiums menu page to see when each file type was last processed and will next be available.
Billing (available by the 17th day of each month) Pregenerated file that provides the amounts of the monthly premium, late charges, and interest charges for cases in the servicing lender's portfolio that require monthly premium payments. Use the View Schedule option on the Monthly Premiums menu page to see when each report file type was last processed and will next be available.
Reconciliation (available by the 17th day of each month) Pregenerated file that provides the discrepancies between what was billed in the prior billing period and what was paid (or is still owed) as of the current billing period. It also includes current period billing information, e.g., any premium, late charges, and interest charges assessed in the current billing period, as well as charges assessed in the last billing period. Use the View Schedule option on the Monthly Premiums menu page to see when each file type was last processed and will be next available.
Refund Transactions Pregenerated file that provides information about case refunds that were created or had a change in status during the current month. It is cumulative and is updated weekly (available every Monday). The complete Refund Transactions report file for the month is available on the second day of the following month. Use the View Schedule option on the Monthly Premiums menu page to see when each file type was last processed and will next be available.
Reallocation Transactions Pregenerated file that provides information about funds that were reallocated to and/or from a servicing lender's cases. Funds from one case (source case) may be redistributed to up to three cases (target cases) per reallocation transaction. The Reallocation Transactions report file is cumulative and is updated weekly (available every Monday). The complete Reallocation Transactions report file for the month is available on the second day of the following month. Use the View Schedule option on the Monthly Premiums menu page to see when each file type was last processed and will next be available.
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