FHA Single Family Housing Policy Handbook 4000.1, Part IV

hud-4000-1-iv-h-repossession-and-preservation-cost

HUD effective date: 05/09/2022 · section IV.C.2 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession and Preservation Cost (05/09/2022).

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source:
  type: guide
  id: hud-4000-1-iv-h-repossession-and-preservation-cost
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession and Preservation Cost (05/09/2022).
  coverage_tier: operative
  effective_date: '2022-05-09'
  source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
obligations:
  - id: hud-4000-1-iv-h-repossession-and-preservation-cost-full
    canonical_id: hud-4000-1-iv-h-repossession-and-preservation-cost-full
    section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession and Preservation Cost (05/09/2022)
    description: 'h. Repossession and Preservation Cost (05/09/2022) Costs necessary to repossess the home and maintain the home while awaiting sale include but are not limited to: • the fee for the condition report; • the fee for the appraisal; • the lot rent; • unpaid/delinquent property taxes, provided that: o documentation is contained in the case binder from the local authority showing the tax amount that is past due; o the taxes'
    type: do
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    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
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    tags:
      - regulator-direct
      - fha
      - hud-handbook
      - corpus-expansion
      - tier-operative
    primary_source:
      tier: 1
      authority: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12)
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
      snapshot_id: e1bca3432cf19e09
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:e1bca3432cf19e097b7f466dddb2837d8a3393d7fb1f6a711f0eaf818b313e02
      paragraph_quote: 'h. Repossession and Preservation Cost (05/09/2022) Costs necessary to repossess the home and maintain the home while awaiting sale include but are not limited to: • the fee for the condition report; • the fee for the appraisal; • the lot rent; • unpaid/delinquent property taxes, provided that: o documentation is contained in the case binder from the local authority showing the tax amount that is past due; o the taxes are legally required to be paid in order for the Lender to repossess and/or foreclose on the collateral; o current year property taxes are due on the unit; and o the taxes are for the Property identified as secured on the security instrument; • moving the home to a sales lot (not to exceed $1,000 per module - i.e., $1,000 for a single-wide, $2,000 for a double-wide); • the attorney’s fees (not to exceed $1,000); • court costs (e.g., filing fee, fee for serving a summons); • changing locks; • winterizing; and • hazard or flood insurance if obtained by the Lender after repossession.'
      drafter_attestation: Verbatim from Handbook 4000.1 Update 18; the quote appears literally in a footer-stripped projection of snapshot e1bca3432cf19e09, verified 2026-08-23.
      effective_date: '2022-05-09'
      effective_date_source: citation:section
      verbatim_gate: defurnished-projection
      reverified_at: '2026-08-23'

Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part IV — 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.

FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession and Preservation Cost (05/09/2022)

Effective 2022-05-09 · publisher's stamp for this provision

h. Repossession and Preservation Cost (05/09/2022) Costs necessary to repossess the home and maintain the home while awaiting sale include but are not limited to: • the fee for the condition report; • the fee for the appraisal; • the lot rent; • unpaid/delinquent property taxes, provided that: o documentation is contained in the case binder from the local authority showing the tax amount that is past due; o the taxes are legally required to be paid in order for the Lender to repossess and/or foreclose on the collateral; o current year property taxes are due on the unit; and o the taxes are for the Property identified as secured on the security instrument; • moving the home to a sales lot (not to exceed $1,000 per module - i.e., $1,000 for a single-wide, $2,000 for a double-wide); • the attorney’s fees (not to exceed $1,000); • court costs (e.g., filing fee, fee for serving a summons); • changing locks; • winterizing; and • hazard or flood insurance if obtained by the Lender after repossession.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

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Operationalizing FHA Single Family Housing Policy Handbook 4000.1, Part IV

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.

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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iv-h-repossession-and-preservation-cost/ · register hud-4000-1-iv-h-repossession-and-preservation-cost · Claude for Compliance. Free to read and download; see regulatory updates and methodology.