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Given a passage and a query based on the passage, generate an unambiguous, concise and simple answer to the query from information in the passage. Note that the answer may not be present in exact form.

Supplemental Nutrition Assistance Program (SNAP) Eligibility. To see if you might be eligible for Supplemental Nutrition Assistance Program (SNAP) benefits, visit our pre-screening tool. For households in the 48 Contiguous States and the District of Columbia October 1, 2016 through September 30, 2017. To get SNAP benefits, households must meet certain tests, including resource and income tests: 1  Resources. 2  Income. 3  Deductions. 4  Employment Requirements. 5  Special Rules for Elderly or Disabled. 6  Immigrant Eligibility. In fact, we’re not spending enough on food stamps. The need for food assistance is greater than food stamps can fill, and the benefit amount is too low to allow a family to purchase an adequate, healthy diet. The average monthly food stamp benefit per person is only $133.85, or less than $1.50 per person, per meal. Between 2009-2011 the purchasing power of food stamps declined by about 7%, or $47/month for a family of four, due to inflation in the cost of food. You’ve likely heard stories (and outrage) about people using food stamps to purchase “steak and lobster” as well as cigarettes and alcohol, showing up at the grocery store in a nice car, nice clothes, a nice purse or an iPhone. But the federal government sets the food stamps benefit amount at, on average, roughly $4 a day per person. Yes, someone could save up their monthly allotment to buy some high-priced food items for a special occasion. Supplemental Nutrition Assistance Program. Effective October 2016. Maximum Monthly SNAP Amounts. The chart below shows the maximum dollar amount of SNAP benefits your household can receive each month. This dollar amount is based on the number of people in your household, your income and your expenses. You could receive any amount up to or including these amounts. National Standards for reasonable amounts have been established for five necessary expenses: food, housekeeping supplies, apparel and services, personal care products and services, and miscellaneous. See the SNAP page on Applicants and Recipients for detailed information about eligibility requirements and benefits. The SNAP home page provides access to information on all aspects of the program. fns On average, 45 million people received SNAP benefits each month in fiscal year 2011, which represents a 70 percent increase over the roughly 26 million people (or one of every 11) who received benefits in 2007. The truth is, a $125 per person per month grocery budget may seem like a farce to a household currently spending $300 per person per month, but it’s actually quite achievable. *For households with more than eight people, add $5,408 per additional person. Always check with the appropriate managing agency to ensure the most accurate guidelines. To see if you might be eligible for SNAP benefits, use SNAP's pre-screening tool. Related Links. ¡ 1 Exija Sus Derechos! - 4300 S. ¡ 2 EXIJA SUS DERECHOS! Usted Tiene El Derecho - DHS 8219 S. ¡ 3 La tarjeta Illinois Link se acepta en mercados de agricultores selectos! DHS 9201 S.  4 B Attitude - Folic Acid - DHS 4758. 5  AABD Cash Aid to the Aged, Blind or Disabled - DHS 587. 6  Active Play for Families - DHS 4586. Query: average amount food stamps per one person in al for a month
Solution: The average monthly food stamp benefit per person is only $133.85, or less than $1.50 per person.
Why? The passage details the eligibility and resources provided by SNAP. The passage includes information on individual per meal food stamp benefit, that can be used to answer the query.

New input: FHA loans are mortgages insured by the Federal Housing Administration, the largest mortgage insurers in the world. The FHA was established in 1934 after The Great Depression and its continuing mission is to create more homeowners in the US. FHA requires both upfront and annual mortgage insurance for all borrowers, regardless of the amount of down payment. 2018 MIP Rates for FHA Loans Over 15 Years If you take out a typical 30-year mortgage or anything greater than 15 years, your annual mortgage insurance premium will be as follows: For example: 1  If the FHA loan amount is $100,000 (base loan amount) 2  The mortgage insurance premium would be $1,750 ($100,000 x 1.75%) 3  The mortgage amount including MIP would be $101,750 ($100,000 + $1,750) The complete MIP schedule for FHA loans sized $625,000 or less, as of August 31, 2017 is as follows 1  : 15-year loan terms with loan-to-value over 90% : 0.70 percent annual MIP. 2  15-year loan terms with loan-to-value under 90% : 0.45 percent annual MIP. 3  30-year loan terms with loan-to-value over 95% : 0.85 percent annual MIP. Purchase and non-streamline refinance loans have Upfront MIP amounts of 1.75% of proposed loan amount and is added to the mortgage balance at closing. Purchase Loans, Continue Reading get rates How to Calculate the MIP for an FHA Loan. An FHA mortgage is a government-insured loan that requires the homeowner to pay a premium for the cost of insuring the loan. An FHA loan has an up-front premium payable when the loan is originated, and an annual premium included in each monthly mortgage payment. In August 2010 the U.S. Congress passed a law that significantly changed the way FHA mortgage insurance premiums would be calculated, effective October 2010. FHA mortgage insurance consists of a financed upfront fee of 1.75% of your loan amount. A monthly premium is calculated based on loan term and down payment. FHA Upfront Mortgage Insurance Premium Rates. The Upfront Mortgage Insurance Premium (UFMIP) is a fee that’s charged to the borrowers up front for all FHA purchase loans, cash-out refinances and rate-term refinances that aren’t streamline loans. Purchase and non-streamline refinance loans have Upfront MIP amounts of 1.75% of proposed loan amount and is added to the mortgage balance at closing. 1  Purchase Loans, Cash-Out Refinance or Rate-Term Refinance UFMIP Rate of 1.75%. 2  FHA Streamline Refinance Original FHA loan endorsed before 6-1-2009 – UFMIP Rate of 0.01%. Home / Program Offices / Housing / Comp / Premiums / Upfront Mortgage Insurance Premium Single Family Upfront Mortgage Insurance Premium (MIP) Upfront mortgage insurance premium (MIP) is required for most of the FHA's Single Family mortgage insurance programs. Lenders must remit upfront MIP within 10 calendar days of the mortgage closing or disbursement date, whichever is later. This page provides links to information on the collection and processing of upfront MIP payments for all case (loan) types except a Home Equity Conversion Mortgage (HECM) or Title I manufactured housing loan. Introduction For loans with FHA case numbers assigned on or after June 3, 2013, FHA will collect the annual MIP, which is the time at which you will pay for FHA Mortgage Insurance Premiums on your FHA loan. They are as follows: Query: how is fha upfront mip calculated
Solution:
The Upfront Mortgage Insurance Premium (UFMIP) is a fee that’s charged to the borrowers up front for all FHA purchase loans, cash-out refinances and rate-term refinances that aren’t streamline loans. Purchase and non-streamline refinance loans have Upfront MIP amounts of 1.75% of proposed loan amount and is added to the mortgage balance at closing.