Applying for graduate school with uncertain GPA
Submit your current GPA. Don't do anything else unless required by the school. 

No one thinks you're going to know your final GPA now. Schools wants your current GPA to get an idea of what sort of student you are and will make their decision based upon that. 

That said, a school may require future transcripts to ensure you haven't bombed all your classes and that you've actually graduated. Any acceptance you get will be dependent upon you graduating. Some schools might also only accept you pending your final grades. As long as your GPA doesn't drop too much (or you don't have a good excuse if it does), you're in the clear.

If you're still concerned you should contact the schools' admission departments, tell them you're still awaiting your semester grades and ask them if your current GPA is fine.