HUD Handbook 4000.1 II.A.1.b
HUD effective date: 06/27/2025 · section II.A.1 · Handbook 4000.1 · revision effective 11/10/2026
HUD Handbook 4000.1 Part II.A.1.b (General Mortgage Insurance Eligibility) for Title II Insured Housing Programs Forward Mortgages. Covers borrower eligibility (SSN, age, residency), occupancy requirements, LDP/SAM excluded-party screening, property location, flood-zone eligibility, and identity-of-interest screening.
Verbatim regulatory text
Verbatim provisions from HUD Handbook 4000.1 II.A.1.b — 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.
HUD Handbook 4000.1 II.A.1.b.ii — Borrower Eligibility
In order to obtain FHA-insured financing, all Borrowers must meet the eligibility criteria in this section.
HUD Handbook 4000.1 II.A.1.b.ii — Social Security Number
Each Borrower must provide evidence of their valid SSN to the Mortgagee.
HUD Handbook 4000.1 II.A.1.b.ii — Owner-Occupancy / Intent to Occupy
The Mortgagee must obtain the Borrower’s intent to occupy the subject Property upon discharge from military service, if a Family Member will not occupy the subject Property as their Principal Residence.
HUD Handbook 4000.1 II.A.1.b.ii — Required Occupancy
At least one Borrower must occupy the Property within 60 Days of signing the security instrument and intend to continue occupancy for at least one year.
HUD Handbook 4000.1 II.A.1.b — Excluded-Parties Screening (LDP / SAM)
The Mortgagee must check the HUD LDP List and SAM and follow
HUD Handbook 4000.1 II.A.1.b — Flood Insurance for SFHA Properties
For Properties located within an SFHA, Flood Insurance must be
HUD Handbook 4000.1 II.A.1.b — Property Location
The Property must be located within the U.S., Puerto Rico, Guam, the Virgin Islands, the Commonwealth of the Northern Mariana Islands, or American Samoa.
Operationalizing HUD Handbook 4000.1 II.A.1.b
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.
Source of record: https://claudeforcompliance.com/regs/hud-4000-1-ii-a-1-b/
· register hud-4000-1-ii-a-1-b · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.