<prompt> Human: Im looking to cancel my Mortgage Insurance Premium MIP on my FHA loan. The two conditions to do this, since this is an FHA loan older than 2013, are 78 LTV and 5 years of MIP payments.I have 78 LTV so all set there. The loan originated on 8222012 and I made my first MIP payment on 1012012. In my mind that brings us to 5 years or 60 months of payments 1012012 - 912017. I confirmed online that I made 60 monthly MIP payments.However, the lender is telling me that I need to make an additional MIP payment in October 2017 to complete the 5 years for a total of 61 payments. So, how does it make sense to have to pay this extra month?  <response>: It might not make sense, it might just be an arbitrary requirement they have. Either way, youve got 3 weeks left to worry about it. 