Wednesday, 26 January 2022 | The Latest Buzz for the Appraisal Industry

Health of FHA’s MMI Fund Has Improved Dramatically, Driven by Rising Home Prices

The health of the Federal Housing Administration (FHA) Mutual Mortgage Insurance Fund (MMI) continued to improve in 2021, according to the U.S. Department of Housing and Urban Development’s (HUD) fiscal year (FY) 2021 report to Congress.

The fund’s overall capital ratio for fiscal 2021 was 8.03%, an increase of 1.93 percentage points compared with a capital ratio of 6.10% in fiscal 2020.

The capital ratio is one indicator of the MMI fund’s financial health



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