24 CFR §200.85 — Covenant against liens

Name: 24 CFR §200.85 — Covenant against liens — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fha-24cfr-200-85

HUD / FHA Multifamily · a federal regulation, 24 CFR Part 200, Subpart A—Requirements for Application, Commitment, and Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and Continuing Eligibility Requirements for Existing Projects. It governs FHA's multifamily programs, not the Single Family Housing Policy Handbook 4000.1. Text as of eCFR 2026-10-09.

24 CFR §200.85, Covenant against liens. An FHA multifamily program rule in Subpart A—Requirements for Application, Commitment, and Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and Continuing Eligibility Requirements for Existing Projects of 24 CFR Part 200 (Introduction to FHA Programs).

This register: .xlsx .csv

source:
  type: regulation
  id: fha-24cfr-200.85
  authority: 24 CFR §200.85 — Covenant against liens
  description: 24 CFR §200.85, Covenant against liens. An FHA multifamily program rule in Subpart A—Requirements for Application, Commitment, and Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and Continuing Eligibility Requirements for Existing Projects of 24 CFR Part 200 (Introduction to FHA Programs).
  program: multifamily
  cfr_title: 24
  cfr_part: '200'
  cfr_subpart: A
  cfr_subpart_heading: Subpart A—Requirements for Application, Commitment, and Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and Continuing Eligibility Requirements for Existing Projects
  source_class: fha-regulation
  url: https://www.ecfr.gov/current/title-24/section-200.85
  snapshot_id: 1b8ce25d5760da15
  ecfr_as_of: '2026-10-09'
obligations:
  - id: fha-24cfr-200.85-a
    canonical_id: fha-24cfr-200.85-a
    section: 24 CFR §200.85(a)
    description: '(a): (a) The mortgage shall contain a covenant against the creation by the mortgagor of liens against the property superior or inferior to the lien of the mortgage except for such inferior lien as may be approved by the Commissioner in accordance with provisions of § 200.71; and'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - fha-regulation
      - 24-cfr-200
      - multifamily
    primary_source:
      tier: 1
      authority: 24 CFR §200.85(a)
      source_class: fha-regulation
      source_url: https://www.ecfr.gov/current/title-24/section-200.85
      snapshot_id: 1b8ce25d5760da15
      fetched_at: '2026-10-14T21:13:00Z'
      content_hash: sha256:ba2c69b50a2b657b113286e17b8f1cd48fe1d4f4ad342e7737a17cdf3d7a7470
      paragraph_quote: (a) The mortgage shall contain a covenant against the creation by the mortgagor of liens against the property superior or inferior to the lien of the mortgage except for such inferior lien as may be approved by the Commissioner in accordance with provisions of § 200.71; and
      drafter_attestation: Verbatim 24 CFR §200.85(a) from eCFR snapshot 1b8ce25d5760da15 (versioner full-XML API, title 24 up to date as of 2026-10-09); the regulator's paragraph breaks are joined with single spaces; substring-verified. Ingested 2026-10-14 (scripts/ingest-ecfr-part.py, batch mf-3) on the eCFR paragraph hierarchy.
      publisher: ecfr.gov
      verified_against: ecfr.gov
      verified_on: '2026-10-14'
  - id: fha-24cfr-200.85-b
    canonical_id: fha-24cfr-200.85-b
    section: 24 CFR §200.85(b)
    description: '(b): (b) A covenant against repayment of a Commissioner approved inferior lien from mortgage proceeds other than surplus cash or residual receipts, except in the case of an inferior lien created by an operating loss loan insured pursuant to section 223(d) of the Act, or a supplemental loan insured pursua…'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - fha-regulation
      - 24-cfr-200
      - multifamily
    primary_source:
      tier: 1
      authority: 24 CFR §200.85(b)
      source_class: fha-regulation
      source_url: https://www.ecfr.gov/current/title-24/section-200.85
      snapshot_id: 1b8ce25d5760da15
      fetched_at: '2026-10-14T21:13:00Z'
      content_hash: sha256:ba2c69b50a2b657b113286e17b8f1cd48fe1d4f4ad342e7737a17cdf3d7a7470
      paragraph_quote: (b) A covenant against repayment of a Commissioner approved inferior lien from mortgage proceeds other than surplus cash or residual receipts, except in the case of an inferior lien created by an operating loss loan insured pursuant to section 223(d) of the Act, or a supplemental loan insured pursuant to section 241 of the Act.
      drafter_attestation: Verbatim 24 CFR §200.85(b) from eCFR snapshot 1b8ce25d5760da15 (versioner full-XML API, title 24 up to date as of 2026-10-09); the regulator's paragraph breaks are joined with single spaces; substring-verified. Ingested 2026-10-14 (scripts/ingest-ecfr-part.py, batch mf-3) on the eCFR paragraph hierarchy.
      publisher: ecfr.gov
      verified_against: ecfr.gov
      verified_on: '2026-10-14'

Verbatim regulatory text (2)

Verbatim provisions from 24 CFR §200.85 — Covenant against liens — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

24 CFR §200.85(a)

(a) The mortgage shall contain a covenant against the creation by the mortgagor of liens against the property superior or inferior to the lien of the mortgage except for such inferior lien as may be approved by the Commissioner in accordance with provisions of § 200.71; and

Source: 24 CFR §200.85(a) · source URL · snapshot 1b8ce25d5760da15

24 CFR §200.85(b)

(b) A covenant against repayment of a Commissioner approved inferior lien from mortgage proceeds other than surplus cash or residual receipts, except in the case of an inferior lien created by an operating loss loan insured pursuant to section 223(d) of the Act, or a supplemental loan insured pursuant to section 241 of the Act.

Source: 24 CFR §200.85(b) · source URL · snapshot 1b8ce25d5760da15

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Source of record: https://claudeforcompliance.com/regs/fha-24cfr-200-85/ · register fha-24cfr-200-85 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.