Answer
In most of the FHA programs, HUD collects an Up Front Mortgage Insurance Premium (UFMIP) when the mortgage is closed; and an Annual premium, which is collected in monthly installments. FHA mortgage insurance premium requirements depend upon when the FHA case number was assigned.

UFMIP
Cases assigned beginning 10/04/10
Purchase/ Refinance/Streamline Refinance 1.00
HECM Standard 2.00
HECM Saver .01

Cases assigned 04/05/10 - 10/03/10
Purchase/ Refinance/Streamline Refinance 2.25
HECM Standard 2.00

Cases assigned on or before 04/04/10
Purchase and Refinance 1.75
Streamline Refinance 1.50
HECM Standard 2.00

ANNUAL MIP
Cases assigned beginning 04/18/11
Loan Term Greater Than 15 Yrs
LTV 95.01% or greater 1.15
LTV less than or equal to 95.00% 1.10

Loan Term Less Than or Equal to 15 Yrs
LTV 90.01% or greater .50
LTV less than or equal to 90.00% .25

Cases assigned 10/04/10 -04/17/11
Loan Term Greater Than 15 Yrs
LTV 95.01% or greater .90
LTV less than or equal to 95.00% .85

Loan Term Less Than or Equal to 15 Yrs
LTV 90.01% or greater .25
LTV less than or equal to 90.00 % No annual MIP is charged

HOME EQUITY CONVERSION MORTGAGE (HECM) Cases assigned beginning 10/4/10; no change on or after 4/18/11
All HECMs 1.25

Cases assigned through 10/03/10
Loan Term Greater Than 15 Yrs
LTV 95.01% or greater .55
LTV less than or equal to 95.00% .50

Loan Term Less Than or Equal to 15 Yrs
LTV 90.01% or greater .25
LTV less than or equal to 90.00 % No annual MIP is charged

Home Equity Conversion Mortgage
All HECMs .50

This mortgage insurance premium structure does not apply to
Title I
Hope for Homeowners (H4H)
Section 247 (Hawaiian Homelands)
Section 248 (Indian Reservations)
Section 223(e) (Declining Neighborhoods)
Section 238(c) (Military Impact areas in Georgia and New York)