Had an FHA Loan? A Free HUD List Shows If You Are Owed a Refund

There may be money waiting from an old FHA loan

When you had an FHA-insured mortgage, part of your payments went toward mortgage insurance. In some cases, HUD ends up owing that money back to the homeowner after the loan is paid off or refinanced.

The U.S. Department of Housing and Urban Development (HUD) keeps a searchable list of borrowers who may be owed a refund. If your name is on it, the money is already yours. You just have to claim it.

This is not a loan, and it is not a scam. It is your own money that a federal agency is trying to return.

Who might be owed a refund

This applies to people who once had an FHA-insured home loan. FHA loans are backed by the government and are common for first-time buyers and moderate income families.

HUD says the refund process is for individuals requesting a premium refund on a previously owned FHA property. Some people received a HUD form (27050-B) in the mail directly from HUD.

Even if you never got a letter, it costs nothing to search the HUD list and see if your name comes up. Checking is free.

The official path is free, so watch out for middlemen

You do not need to pay anyone to check for or claim an FHA refund. HUD provides the search tool and the claim process at no cost.

Some private companies, sometimes called tracers, offer to find this money for a fee. You can do the exact same search yourself for free using the official HUD website.

OpenFinancial is not a bank and not a government agency. We just point you to the free, official place to look. Nobody can get your refund faster than the normal HUD process, so be careful with anyone who promises that.

Frequently asked questions

Do I have to pay to check or claim my FHA refund?

No. Searching the HUD list and claiming a refund is free. You never need to pay a middleman or tracer to do it for you.

What if I never received a letter from HUD?

You can still search the official HUD list yourself. Some homeowners receive HUD form 27050-B in the mail, but checking the site costs nothing regardless.

How do I know the HUD site is the real one?

The official address is entp.hud.gov/dsrs/refunds/. HUD is a U.S. government agency, and .gov sites are official.

Can OpenFinancial get my refund faster?

No. We are not a bank or a government agency. We simply point you to the free, official HUD tool. The normal HUD process is the only path.