FHA Handbook 4000.1 — Full Verbatim Text
The FHA Single Family Housing Policy Handbook 4000.1 — free, verbatim, and searchable. HUD publishes it as one ~1,000-page PDF; here it is broken into 589 individual sections across Parts I–V, each the regulator’s exact text, always current, with clean section-scoped PDF and spreadsheet downloads.
Update 18 (issued August 12, 2026; mandatory November 10, 2026) changed 60 of these sections. Each section below links to its current text; see what Update 18 changed, section by section →
Looking for a specific requirement — credit, assets, property condition, appraisal, servicing, loss mitigation, claims? Jump to the section below. Every page is the verbatim handbook text, not a summary.
504 handbook sections, each linked to its current version, ordered as HUD numbers them. Older copies of a section stay published under “prior version” / “also at”.
Part I — Doing Business with FHA 94
I.A — FHA LENDERS AND MORTGAGEES
- I.A.1.a — Title I
- I.A.1.b — Title II
- I.A.2.a — Supervised Mortgagee
- I.A.2.b — Nonsupervised Mortgagee
- I.A.2.c — Government Mortgagee
- I.A.2.d — Investing Mortgagee
- I.A.3.a — Title I and Title II Program Applications
- I.A.3.b — Online Application
- I.A.3.c — Eligibility Requirements changed in Update 18
- I.A.3.d — Processing of Applications
- I.A.3.e — Application Approval
- I.A.3.f — Application Denial
- I.A.4.a — Registration
- I.A.4.b — Single Family Lending Area
- I.A.4.c — Managers
- I.A.4.d — Net Branching Prohibition
- I.A.5.a — Title II Direct Endorsement Authority changed in Update 182 versions
- I.A.5.b — Title II Single Family Lender Insurance Authority
- I.A.5.c — Title I Programs
- I.A.5.d — Title II Multifamily Accelerated Processing Authority
- I.A.6.a — Operating Requirements and Restrictions
- I.A.6.b — Providing Information to FHA
- I.A.6.d — Servicing of FHA-Insured Title II Mortgages and Title I Loans
- I.A.6.e — Employee Compensation
- I.A.6.f — Conflicts of Interest
- I.A.6.g — Payment of Operating Expenses
- I.A.6.h — Prohibited Payments
- I.A.6.i — Staffing
- I.A.6.j — Use of Contractors
- I.A.6.k — Affiliates
- I.A.6.l — Branch Office Requirements
- I.A.6.m — Fair Housing Notice
- I.A.6.n — Advertising
- I.A.7.a — Requirements for All Post-approval Changes
- I.A.7.b — Information Updates
- I.A.7.c — Change in Corporate Officer
- I.A.7.d — Change in Partnership or Principal Owners
- I.A.7.e — “Doing Business As” Names
- I.A.7.f — Relocation to a Different State
- I.A.7.g — Liquid Assets or Net Worth Deficiency
- I.A.7.h — Operating Loss
- I.A.7.i — Fidelity Bond
- I.A.7.j — Errors and Omissions Insurance
- I.A.7.k — Principal Activity Change of Nonsupervised Mortgagee
- I.A.7.l — Servicing
- I.A.7.m — Fiscal Year End Date
- I.A.7.n — Supervision Change
- I.A.7.o — Business Form
- I.A.7.p — Bankruptcy
- I.A.7.q — Lending License(s)
- I.A.7.r — Mergers, Acquisitions, and Reorganizations
- I.A.7.s — Conservatorship, Receivership, or Transfer of Control
- I.A.7.t — Business Name Change
- I.A.7.u — Unresolved Findings or Sanctions
- I.A.7.v — Program Approvals
- I.A.8.a — General Requirements
- I.A.8.b — Online Certification
- I.A.8.c — Annual Recertification Fee
- I.A.8.d — Financial Data Submission
- I.A.8.e — Rejection of a Mortgagee’s Recertification Package
- I.A.8.f — Recertification Extension Requests
- I.A.9 — Voluntary Withdrawal of FHA Mortgagee Approval
- I.A.9.a — Standard
- I.A.9.b — Required Documentation
- I.A.9.c — Reapplication
- I.A.9.g — Failure to Recertify
- I.A.10.a — Standard
- I.A.10.b — Required Documentation
- I.A.10.c — Reapplication
I.B — OTHER PARTICIPANTS
- I.B.1.a — Definition
- I.B.1.b — Standard
- I.B.1.c — Application and Approval Process changed in Update 18
- I.B.1.d — Renewal and Maintenance changed in Update 18
- I.B.1.e — Post-approval Requirements changed in Update 18
- I.B.2.a — Definition
- I.B.2.b — 203(k) Consultant Roster
- I.B.2.c — Application and Approval Process
- I.B.3.a — Program Overview
- I.B.3.b — Direct Endorsement Underwriter Eligibility
- I.B.3.c — Mortgagee’s Approval Process
- I.B.4.a — Program Overview
- I.B.4.b — Application and Approval Process changed in Update 182 versions
- I.B.4.c — Post-approval Requirements
- I.B.4.d — Post-approval Requirements
- I.B.5.a — Definitions
- I.B.5.b — Requirements
- I.B.5.c — Application and Registration Process
- I.B.5.d — Annual Recertification
- I.B.6.a — Requirements
- I.B.6.b — Application and Approval Process
- I.B.7.b — Standard
- I.B.8 — Title I Manufactured Home Dealers
- I.B.9.a — Definitions
- I.B.9.c — Post-appraisal Requirements
Part II — Origination Through Post-Closing/Endorsement 172
II.A — Title II Insured Housing Programs Forward Mortgages
- II.A.1.a — Applications and Disclosures changed in Update 182 versions
- II.A.1.b — General Mortgage Insurance Eligibility changed in Update 182 versions
- II.A.2.a — Maximum Mortgage Amounts changed in Update 18
- II.A.2.b — Loan-to-Value Limits
- II.A.2.c — Required Investment
- II.A.2.d — Maximum Mortgage Term
- II.A.2.e — Mortgage Insurance Premiums
- II.A.3.a — Property Acceptability Criteria changed in Update 182 versions
- II.A.3.b — Required Documentation for Underwriting the Property
- II.A.4.a — Underwriting with an Automated Underwriting System changed in Update 182 versions
- II.A.4.b — Credit Requirements (TOTAL) changed in Update 18
- II.A.4.c — Income Requirements (TOTAL) changed in Update 182 versions
- II.A.4.d — Asset Requirements (TOTAL) changed in Update 182 versions
- II.A.4.e — Final Underwriting Decision (TOTAL) changed in Update 182 versions
- II.A.5.a — Credit Requirements (Manual) changed in Update 182 versions
- II.A.5.b — Income Requirements (Manual) changed in Update 182 versions
- II.A.5.c — Asset Requirements (Manual) changed in Update 182 versions
- II.A.5.d — Final Underwriting Decision (Manual) changed in Update 182 versions
- II.A.6.a — Mortgagee Closing Requirements
- II.A.6.b — Mortgage and Note
- II.A.6.c — Disbursement of Mortgage Proceeds
- II.A.7.a — Pre-endorsement Review
- II.A.7.b — Mortgagee Pre-endorsement Review Requirements
- II.A.7.d — Procedures for Endorsement changed in Update 182 versions
- II.A.7.e — Endorsement and Post-endorsement
- II.A.8.a — 203(k) Rehabilitation Mortgage Insurance Program changed in Update 182 versions
- II.A.8.b — Disasters and 203(h) Mortgage Insurance for Disaster Victims
- II.A.8.c — Energy Efficient Mortgages
- II.A.8.d — Refinances changed in Update 182 versions
- II.A.8.f — Section 251 Adjustable Rate Mortgages
- II.A.8.g — Section 248 Mortgages on Indian Land
- II.A.8.h — Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands
- II.A.8.i — New Construction changed in Update 182 versions
- II.A.8.j — Construction to Permanent
- II.A.8.k — Building on Own Land
- II.A.8.l — Weatherization
- II.A.8.m — Solar and Wind Technologies
- II.A.8.n — Assumptions
also at 1 other address
- II.A.8.o — HUD Real Estate Owned Purchasing
- II.A.8.p — Condominiums changed in Update 182 versions
- II.A.9.a — Overview
- II.A.9.b — Consultant Duties
- II.A.9.c — Consultant Fee Schedule
- II.A.9.d — Improvements Standards
- II.A.9.e — Consultant 35 Point Checklist
- II.A.9.f — Architectural Exhibit Review
- II.A.9.g — Preparing the Work Write-Up and Cost Estimate
- II.A.9.h — Feasibility Study
- II.A.9.i — Draw Request Inspection
- II.A.9.j — Change Order
- II.A.9.k — Additional Required Documentation
II.B — Title II Insured Housing Programs Reverse Mortgages
- II.B.1.a — Required Referral for HECM Counseling
- II.B.1.b — Restrictions on Processing of Applications Before Completion of HECM Counseling
- II.B.1.c — Individuals Required to Receive HECM Counseling
- II.B.1.d — Certificate of HECM Counseling
- II.B.1.e — Counseling Prohibited Practices
- II.B.2.a — Applications and Disclosures
- II.B.2.b — General HECM Insurance Eligibility changed in Update 182 versions
- II.B.3.a — Maximum Mortgage Amounts
- II.B.3.b — Maximum Claim Amount
- II.B.3.c — Interest Rate Options
- II.B.3.d — Principal Limit
- II.B.3.e — Payment Plan
- II.B.3.f — HECM Calculator Software
- II.B.3.g — Disbursement Limits
- II.B.3.i — Mortgage Insurance Premiums
- II.B.4.a — Property Acceptability Criteria changed in Update 182 versions
- II.B.5.a — Definition
- II.B.5.b — Credit History Review Requirements changed in Update 182 versions
- II.B.5.c — Property Charge Payment History Review Requirements
- II.B.5.d — Monthly Expense Analysis changed in Update 182 versions
- II.B.5.e — Effective Income Analysis changed in Update 182 versions
- II.B.5.f — Residual Income Analysis
- II.B.5.g — Asset Requirements
- II.B.5.h — Required Documentation
- II.B.5.i — Final HECM Decision
- II.B.6.a — Mortgagee Closing Requirements
- II.B.6.b — Mortgage and Note
- II.B.6.c — Adaptation of Loan Documents
- II.B.6.d — Disbursement of HECM Proceeds
- II.B.7.a — Pre-endorsement Review
- II.B.7.b — Mortgagee Pre-endorsement Review Requirements
- II.B.7.d — Procedures for Endorsement changed in Update 182 versions
- II.B.7.e — Endorsement and Post-endorsement
- II.B.8.a — HECM For Purchase changed in Update 182 versions
- II.B.8.b — HECM Refinance
- II.B.8.c — Condominiums changed in Update 182 versions
II.C — Condominium Project Approval
- II.C.1.a — Classifications and Ineligible Characteristics
- II.C.2.b — Phasing
- II.C.2.c — General Condominium Project Approval Requirements
- II.C.2.d — Construction Types
- II.C.2.e — Two- to Four-Unit Condominium Project
- II.C.2.f — Manufactured Home Condominium Projects
- II.C.3.a — Condominium Project Approval
- II.C.3.b — HUD Review and Approval Process changed in Update 182 versions
- II.C.3.c — Direct Endorsement Lender Review and Approval Process
- II.C.3.d — Reconsideration of Rejected or Withdrawn Condominium Projects
II.D — APPRAISER AND PROPERTY REQUIREMENTS FOR TITLE II FORWARD AND REVERSE MORTGAGES
- II.D.1.a — Information Required before Commencement of Appraisal
- II.D.2 — General Appraiser Requirements
- II.D.3.b — Minimum Property Requirements and Minimum Property Standards
- II.D.3.c — Gross Living Area
- II.D.3.d — Appliances
- II.D.3.e — Swimming Pools
- II.D.3.f — Utilities – Mechanical Components
- II.D.3.g — Roof Covering
- II.D.3.h — Structural Conditions
- II.D.3.i — Defective Paint
- II.D.3.j — Attic Observation Requirements
- II.D.3.k — Foundation
- II.D.3.l — Crawl Space Observation Requirements
- II.D.3.m — Environmental and Safety Hazards
- II.D.3.n — Repair Requirements
- II.D.3.o — Utility Services
- II.D.3.p — Onsite Sewage Disposal Systems
- II.D.4.a — Photograph, Exhibits, and Map Requirements
- II.D.4.b — Intended Use and Intended Users of Appraisal
- II.D.4.c — Development of the Market Value
- II.D.4.d — Reporting Prior Sales
- II.D.4.e — Remote Observation
- II.D.5.b — Standard
- II.D.5.c — Foundation Systems
- II.D.5.d — Running Gear
- II.D.5.e — Perimeter Enclosure
- II.D.5.f — HUD Certification Label
- II.D.5.g — Data Plate
- II.D.5.h — Flood Zone
- II.D.5.i — Additions to Manufactured Housing
- II.D.5.j — Measurement Protocols
- II.D.5.k — Sales Comparison Approach for Manufactured Housing
- II.D.6.a — Definitions
- II.D.6.b — Required Analysis and Reporting
- II.D.6.c — Site Condominium
- II.D.6.d — Manufactured Housing Condominium Projects
- II.D.6.l — Estimate of Cost for New Construction for Manufactured Housing
- II.D.7.a — Definition
- II.D.7.c — Required Analysis and Reporting
- II.D.9 — Update of Appraisal
- II.D.11.a — Section 248 Indian Land Program
- II.D.11.b — Section 247 Hawaiian Home Lands Program
- II.D.11.c — Standard 203(k) and Limited 203(k) Rehabilitation Mortgages
- II.D.11.d — Special Energy-Related Building Components
- II.D.11.e — HUD Real Estate Owned Properties
- II.D.12.a — Definition
- II.D.12.b — Required Analysis and Reporting
II.E — TITLE I INSURED PROGRAMS
- II.E.1.a — Direct Loan
- II.E.1.b — Dealer Loan
- II.E.2.a — Origination/Processing
- II.E.2.b — Allowable Loan Parameters
- II.E.2.c — Property Eligibility
- II.E.2.d — Underwriting the Borrower changed in Update 182 versions
- II.E.2.e — Closing and Disbursement
- II.E.2.f — Post-closing and Insurance
- II.E.2.g — Programs and Products – Refinance
- II.E.3.a — Direct Loans
- II.E.3.b — Dealer Loan
- II.E.4.a — Origination/Processing
- II.E.4.b — Allowable Loan Parameters
- II.E.4.c — Property Requirements
- II.E.4.d — Underwriting the Borrower changed in Update 182 versions
- II.E.4.e — Pre-Closing Reviews by HUD
- II.E.4.f — Closing
- II.E.4.g — Post-closing and Endorsement changed in Update 182 versions
- II.E.4.h — Programs and Products
II.F — APPRAISER AND PROPERTY REQUIREMENTS FOR TITLE I LOANS
- II.F.1 — Appraiser Qualifications
- II.F.2 — Appraiser Requirements
- II.F.3 — Commencement of the Appraisal
- II.F.5.a — Standard
- II.F.5.b — Required Analysis
- II.F.6.b — Standard
- II.F.6.c — Required Analysis and Reporting
- II.F.7.b — Certification
also at 1 other address
- II.F.10.c — Required Analysis and Reporting
Part III — Servicing and Loss Mitigation 87
III.A — Title II Insured Housing Programs Forward Mortgages
- III.A.1.a — Servicing Roles and Responsibilities
- III.A.1.b — Responsibility for Servicing Actions
- III.A.1.c — Providing Information to HUD and HUD-Approved Counseling Agencies
- III.A.1.d — Communication with Borrowers and Authorized Third Parties
- III.A.1.e — Payment Administration
- III.A.1.f — Servicing Fees and Charges
- III.A.1.g — Escrow
- III.A.1.h — Insurance Coverage Administration
- III.A.1.i — Mortgage Insurance Premium Remittance
- III.A.1.j — Post-endorsement Mortgage Amendments
- III.A.1.k — Mortgage Insurance Premium Cancellation
- III.A.1.l — Mortgage Insurance Termination
- III.A.1.m — Disclosures
- III.A.1.n — Record Retention – Servicing File
- III.A.2.a — Mortgages in Delinquency or Default
- III.A.2.b — Reporting to Consumer Reporting Agencies and the IRS
- III.A.2.c — Late Charges
also at 1 other address
- III.A.2.d — Partial Payments for Mortgages in Default changed in Update 182 versions
- III.A.2.e — Lien Status
- III.A.2.f — Imminent Default
- III.A.2.g — Early Default Intervention
- III.A.2.h — Loss Mitigation Program changed in Update 182 versions
also at 1 other address
- III.A.2.i — Loss Mitigation Home Retention Options changed in Update 182 versions
- III.A.2.j — Home Disposition Options changed in Update 182 versions
also at 1 other address
- III.A.2.k — Loss Mitigation Incentives and Title Reimbursement
- III.A.2.l — Presidentially-Declared Major Disaster Areas
- III.A.2.m — Non-Monetary Default
- III.A.2.o — Reinstatement
- III.A.2.p — Foreclosure changed in Update 182 versions
- III.A.2.q — Acquiring Possession changed in Update 182 versions
- III.A.2.r — Conveyance of Acquired Properties
- III.A.2.s — Non-conveyance Foreclosure
- III.A.2.t — Deficiency Judgments
- III.A.3.a — Adjustable Rate Mortgages
- III.A.3.b — Assumptions
- III.A.3.c — Hawaiian Home Lands Mortgages (Section 247 Mortgages) changed in Update 182 versions
- III.A.3.d — Insured Mortgages on Indian Land (Section 248 Mortgages)
- III.A.3.e — Section 222 Mortgages
- III.A.3.f — Good Neighbor Next Door changed in Update 182 versions
- III.A.3.g — Homeownership and Opportunity for People Everywhere for Homeowners
- III.A.3.h — Nehemiah Housing Opportunity Grants Program
- III.A.3.i — Servicing FHA-Insured Mortgages for Servicemember-Borrowers changed in Update 182 versions
- III.A.3.j — Section 235 Mortgages
- III.A.4.a — Single Family Default Monitoring System Default Reporting changed in Update 18
- III.A.4.b — Non-Incentivized Loan Modification Reporting
III.B — TITLE II INSURED HOUSING PROGRAMS REVERSE MORTGAGES
- III.B.1.a — Servicing in Compliance with Law
- III.B.1.b — Responsibility for Servicing Actions
- III.B.1.c — Providing Information to HUD
- III.B.1.d — Communication with Borrowers and Authorized Third Parties
- III.B.1.e — Borrower Disbursements
- III.B.1.f — Payment Administration
- III.B.1.g — Servicing Fees and Charges
- III.B.1.h — Interest Rate Changes for Adjustable Rate HECMs
- III.B.1.i — Set-Asides
- III.B.1.j — Allowable Fees and Charges
- III.B.1.k — Prepayment
- III.B.1.l — Completion of Required Repairs
- III.B.1.m — Insurance Coverage Administration
- III.B.1.n — Mortgage Insurance Premium Remittance
- III.B.1.o — Post-Endorsement HECM Amendments
- III.B.1.p — Occupancy Certification
- III.B.1.q — Property Maintenance
- III.B.1.r — Optional Assignment changed in Update 182 versions
- III.B.1.s — Demand Assignment
- III.B.1.t — Repurchase of Previously Assigned HECM changed in Update 182 versions
- III.B.1.u — Mortgage Insurance Termination
- III.B.1.v — Record Retention – Servicing File
- III.B.2.a — Use of Counseling Agencies
- III.B.2.b — Due and Payable Servicing
- III.B.2.c — Defaults for Unpaid Property Charges
- III.B.2.d — Initiation of Foreclosure and Reasonable Diligence Time Frames
- III.B.2.e — Sale of Property Acquired through Foreclosure or DIL
- III.B.2.f — Claims changed in Update 182 versions
- III.B.3.a — Presidentially-Declared Major Disaster Areas
- III.B.3.b — Mortgagee Optional Election Assignment
- III.B.3.c — COVID-19 HECM Property Charge Repayment Plan
III.C — Title I Insured Programs
- III.C.1.a — Servicing in Compliance with Law
- III.C.1.b — General Loan Servicing Requirements
- III.C.1.c — Assumptions
- III.C.1.d — Modification of a Current Loan
- III.C.1.e — Loan Default and Loss Mitigation
- III.C.1.f — Release or Substitution of Security
- III.C.2.a — Servicing in Compliance with Law
- III.C.2.b — Loan Servicing Requirements
- III.C.2.c — Assumptions
- III.C.2.e — Loan Default and Loss Mitigation
- III.C.2.f — Servicing of Manufactured Home Lot Loans and Combination Loans
Part IV — Claims and Disposition 103
IV.A — Title II Claims
- IV.A.1.a — Preparation and Submission of Claims
- IV.A.1.b — Claim Status
- IV.A.1.c — Claim File
also at 1 other address
- IV.A.2.a — Claim Type 01 – Conveyances changed in Update 18
- IV.A.2.b — Claim Type 02 - Assignment or Single Family Loan Sale Program
- IV.A.2.c — Claim Type 05 - Supplemental Claims/Remittances
- IV.A.2.d — Claim Type 06 - Claims Without Conveyance of Title changed in Update 18
- IV.A.2.e — Claim Type 07 - Pre-Foreclosure Sales
- IV.A.2.f — Claim Type 31 – Special Forbearance
- IV.A.2.g — Claim Type 32 ** – FHA-HAMP Loan Modification
- IV.A.2.h — Claim Type 32 ** – Loan Modification
- IV.A.2.i — Claim Type 32 – Disaster Loan Modification
- IV.A.2.j — Claim Type 33 ** – FHA-HAMP Partial Claim
- IV.A.2.k — Claim Type 33 ** – Partial Claim
- IV.A.2.l — Claim Type 33 – Disaster Partial Claim
- IV.A.2.m — Claim Type 33 – Standalone Partial Claim during Payment Supplement Period
- IV.A.2.n — Claim Type 33 – National Emergency Standalone Partial Claim
- IV.A.2.p — Claim Type 33 – Payment Supplement changed in Update 182 versions
- IV.A.2.q — Claim Type 33 – Disaster Payment Supplement changed in Update 182 versions
- IV.A.3.a — Processing of Claim Forms
also at 1 other address
- IV.A.3.b — Method of Payment
- IV.A.3.c — Disbursement of Claim
- IV.A.3.d — Negative Claim Amount
- IV.A.3.e — Advice of Payment and Title Approval
- IV.A.4.a — Withdrawal of Application for Insurance Benefits
- IV.A.4.b — Refund of Claim Payment
- IV.A.4.c — Cancellation of Insurance Benefits due to Reconveyance
- IV.A.5.a — Definition
- IV.A.5.b — Standard
- IV.A.5.c — Selection of Claims for Review
- IV.A.5.d — Frequency of Reviews
- IV.A.5.e — Notification to Mortgagee of Claim Review
- IV.A.5.f — HUD’s Initial Report
- IV.A.5.g — Mortgagee Response Procedures to HUD’s Initial Report
- IV.A.5.h — Findings Based on Mortgagee Response
- IV.A.5.i — Mortgagee Response Procedures to HUD’s Follow-Up Report
- IV.A.5.j — Referral for Collections
- IV.A.5.k — Referral for Enforcement Review
- IV.A.6.a — Demand Letter
- IV.A.6.b — Notice of Intent to Collect Administrative Offset
- IV.A.6.c — Initiation of Offset Action
IV.B — TITLE II DISPOSITION
- IV.B.1.a — HUD Contractors
- IV.B.1.b — Nondiscrimination Policy
- IV.B.1.c — P260 Portal
- IV.B.2.a — Property and Sales Condition
- IV.B.2.b — List Price
- IV.B.2.c — Marketing Tools
- IV.B.2.d — Prospective Buyers
- IV.B.2.e — Lead-Based Paint
- IV.B.2.f — Sales Timeline changed in Update 182 versions
- IV.B.2.g — Bid Submission
- IV.B.2.h — Bid Acceptance During Competitive Sales Periods
- IV.B.2.i — Selection of Winning Bid
- IV.B.2.j — Inspection Contingency changed in Update 182 versions
- IV.B.2.k — Closing
IV.C — TITLE I CLAIMS
- IV.C.1.a — Claim Filing Deadline
- IV.C.1.b — Claim Documentation
- IV.C.1.c — Calculation of Insurance Claim Payment
- IV.C.1.d — Claim Filing Supplies
- IV.C.1.e — Method and Notification of Payment
- IV.C.1.f — Supplemental Claim
- IV.C.1.g — Terminating Title I Premium Billing
- IV.C.1.h — Abbreviated Claim
- IV.C.1.i — Denial of Insurance Claims
- IV.C.1.j — Resubmitted Claims
- IV.C.1.k — Appeals
- IV.C.1.l — Rescinding or Repurchasing a Claim
- IV.C.1.m — Lender Responsibilities Pending Insurance Claim Payment
- IV.C.2.a — Pre-claim Requirements
- IV.C.2.b — Maximum Claim Filing Deadline
- IV.C.2.c — Form HUD-637, Title I Claim for Loss
- IV.C.2.d — Claim Documentation
- IV.C.2.e — Calculation of Insurance Claim Payment
- IV.C.2.f — Loan Balance as of Default Date
- IV.C.2.g — Interim Interest
- IV.C.2.h — Repossession and Preservation Cost
- IV.C.2.i — Sales Commission
- IV.C.2.j — Best Price Obtainable
- IV.C.2.k — Credit due to Borrower
- IV.C.2.l — Claims Submission
- IV.C.2.m — Updating the Insurance Claim
- IV.C.2.n — Method and Notification of Payment
- IV.C.2.o — Supplemental Claim
- IV.C.2.p — Terminating Title I Premium Billing
- IV.C.2.q — Abbreviated Claim
- IV.C.2.r — Denial of Insurance Claims
- IV.C.2.s — Resubmitted Claims
- IV.C.2.t — Appeals
- IV.C.2.u — Rescinding or Repurchasing a Claim
IV.D — TITLE I DISPOSITION
- IV.D.1.a — Lender Option to Proceed Against the Security
- IV.D.1.b — Foreclosure by Other Lien Holder
- IV.D.1.c — Enforceable Note
- IV.D.2.a — Proceeding against the Loan Security
- IV.D.2.b — Abandonment
- IV.D.2.c — Condition Report
- IV.D.2.d — Appraisal
- IV.D.2.e — Appraiser Qualifications
- IV.D.2.f — Damage to Manufactured Home While in Possession of the Lender
- IV.D.2.g — Salvage
- IV.D.2.h — Repossession and Preservation Expenses
- IV.D.2.i — Acquisition by Voluntary Conveyance or Surrender
- IV.D.2.j — Cash for Keys
- IV.D.2.k — Sale of the Repossessed Home
Part V — Quality Control, Oversight, and Compliance 48
V.A — Quality Control of Lenders and Mortgagees
- V.A.1.a — Purpose of Quality Control Program
- V.A.1.b — Definitions
- V.A.1.c — Standard
also at 1 other address
- V.A.1.d — Required Documentation
- V.A.2.a — Who May Perform Quality Control
- V.A.2.b — Operational Compliance changed in Update 18
- V.A.2.c — Fraud, Misrepresentation, and Other Findings changed in Update 182 versions
- V.A.3.a — Loan File Selection changed in Update 18
- V.A.3.b — Loan Sample Risk Assessment
- V.A.3.c — Origination and Underwriting Case Binder Compliance Review changed in Update 18
- V.A.3.d — Quality Control Reviews of Specialized Mortgage Programs
- V.A.3.e — Servicing Loan File Compliance Review
- V.A.3.f — Ineligible Participants
- V.A.4.a — Standard
- V.A.4.b — Required Documentation
V.B — QUALITY CONTROL OF OTHER PARTICIPANTS
- V.B.1 — Direct Endorsement Underwriter
- V.B.1.b — Quality Control Plan Findings and Corrective Action
- V.B.2.a — Quality Control Plan Overview
- V.B.2.b — Quality Control Plan Findings and Corrective Action
- V.B.2.c — Fraud, Misrepresentation, and Other Findings
- V.B.3 — Real Estate Brokers
- V.B.5 — Title I Dealers – Property Improvement Loans
- V.B.6 — Title I Dealers – Manufactured Home Loans
V.C — MORTGAGEE MONITORING
V.D — MONITORING OF OTHER PARTICIPANTS
- V.D.1 — Appraisers
also at 1 other address
- V.D.1.a — Monitoring of Governmental Entities and HUD-Approved Nonprofits
- V.D.2 — 203(k) Consultants
- V.D.3.b — Monitoring of HUD Homes Participants
- V.D.3.c — Monitoring FHA Mortgagor Participants
- V.D.3.d — Monitoring of Secondary Financing Program Participants
- V.D.4 — Real Estate Brokers
- V.D.5 — Closing Agents
V.E — Enforcement
- V.E.1.a — Actions and Sanctions Against Mortgagees
- V.E.2 — Employee Improprieties Attributed to the Mortgagee
- V.E.3.b — Loan Level Actions and Sanctions
- V.E.4.a — Actions and Sanctions
- V.E.4.b — Procedures
- V.E.5.a — Limited Denial of Participation
- V.E.5.b — Suspension
- V.E.5.c — Debarment
- V.E.5.d — Civil Money Penalties
- V.E.5.e — Specific Program Participants changed in Update 18
Other / unmapped — pages not yet pinned to a single handbook section 34
- HUD Handbook 4000.1
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part I
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 2. General Appraiser Requirements (03/19/2025) — 3. Acceptable Reporting Forms and Protocols
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > F. Appraiser and Property Requirements for Title I Loans > 1. Appraiser Qualifications (05/09/2022) — 4. Analysis and Reporting Requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part II
- HUD Handbook 4000.1 II.A.1.a
- HUD Handbook 4000.1 Part II.A.1.b
- HUD Handbook 4000.1 II.A.1.b
- HUD Handbook 4000.1 II.A.2
- HUD Handbook 4000.1 II.A.3
- HUD Handbook 4000.1 Part II.A.4
- HUD Handbook 4000.1 Part II.A.5
- HUD Handbook 4000.1 Part II.A.7
- HUD Handbook 4000.1 II.A.1.b
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Definitions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. APPRAISER AND PROPERTY REQUIREMENTS FOR TITLE II FORWARD AND REVERSE MORTGAGES > 7. Valuation of Leasehold Interest — a. Definitions
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- HUD Handbook 4000.1 III.A.1.b
- HUD Handbook 4000.1 III.A.1.d
- HUD Handbook 4000.1 III.A.2.e
- HUD Handbook 4000.1 III.A.2.h
- HUD Handbook 4000.1 III.A.2.i
- HUD Handbook 4000.1 III.A.2.k
- HUD Handbook 4000.1 III.A.2.l
- FHA Single Family Housing Policy Handbook 4000.1, Part III
- HUD Handbook 4000.1
- HUD Handbook 4000.1 — Programs and Products - Section 235 Mortgages (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V
- FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. QUALITY CONTROL OF LENDERS AND MORTGAGEES > 2. Institutional Quality Control Program Requirements — c. Identifying Patterns
538 sections in total.
Operationalizing Handbook 4000.1
This is the regulator’s own words, source-verified — the grounding you need to check your policies and procedures against FHA requirements, operationalize a change, and produce audit-ready evidence, all without invented text. See how the corpus is built and verified and the regulatory update kits. Free to read and download · compiled by Claude for Compliance.