USDA HB-1-3555 ch08 bootstrap

usda-hb-3555-ch08

Bootstrap for USDA HB-1-3555 ch08 register.

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source:
  type: regulation
  id: usda-hb-3555-ch08
  authority: USDA HB-1-3555 ch08 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch08 register.
  effective_date: '2025-08-05'
obligations:
  - id: usda-hb-3555-ch08-confirm-applicant-criteria-pre-analysis
    canonical_id: usda-hb-3555-ch08-confirm-applicant-criteria-pre-analysis
    section: USDA HB-1-3555 Ch. 8.2 — Applicant Eligibility Requirements
    description: |
      [LENDER] must confirm the applicants meet the criteria for
      obtaining a SFHGLP guarantee prior to full analysis of the
      applicants' loan request.
    type: do
    audit_question: For every USDA SFHGLP loan request, can [LENDER] evidence that it confirmed the applicants meet the program's applicant eligibility criteria BEFORE performing full income, credit, and ratio analysis?
    program_review: Does the workflow require confirming applicant eligibility BEFORE full income/credit/ratio analysis, so ineligible applicants are screened out first?
    file_review: Pull a sample; confirm the eligibility screen preceded full underwriting analysis in the file sequence.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch08
      - applicant-eligibility
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 8.2 — Applicant Eligibility Requirements
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter08.pdf
      snapshot_id: e5cee495ac15a031
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:0f1613fba4b80bfdba136697d3c1ef899957c5efee206ac2b323ed5ba7a96bae
      paragraph_quote: The lender must confirm the applicants meet the criteria for obtaining a SFHGLP guarantee prior to full analysis of the applicants’ loan request.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot e5cee495ac15a031 (Ch 08) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch08-roundb-v1.yaml
  - id: usda-hb-3555-ch08-only-one-other-sfh-unit
    canonical_id: usda-hb-3555-ch08-only-one-other-sfh-unit
    section: USDA HB-1-3555 Ch. 8.2.A — Owning a Dwelling [7 CFR 3555.151(e)]
    description: |
      The loan applicants are limited to owning one single family
      housing unit, other than the house associated with the loan
      request. It is not the intent of the SFHGLP to assist applicants
      in building an investment portfolio.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that the applicants own no more than one single family housing unit other than the subject property, and that any retained existing dwelling meets the four §8.2.A criteria (not financially responsible for another Agency-guaranteed/direct loan at closing; financially qualified; will occupy the subject; existing home no longer meets needs)?
    program_review: Does the program account for the one-other-SFH-unit limit and the four retained-dwelling conditions (no financial responsibility for another Agency loan at closing; financially qualified; will occupy the subject; existing home no longer meets needs)?
    file_review: Spot-check files where the applicant retains a dwelling; confirm the one-unit limit and the four §8.2.A retained-dwelling conditions. The officer judges whether 'no longer meets needs' is adequately supported.
    judgment: true
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: Loan ineligible for SFHGLP guarantee.
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch08
      - dwelling-limit
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 8.2.A — Owning a Dwelling
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter08.pdf
      snapshot_id: e5cee495ac15a031
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:0f1613fba4b80bfdba136697d3c1ef899957c5efee206ac2b323ed5ba7a96bae
      paragraph_quote: family housing unit, other than the house associated with the loan request.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot e5cee495ac15a031 (Ch 08) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch08-roundb-v1.yaml
  - id: usda-hb-3555-ch08-occupy-within-60-days
    canonical_id: usda-hb-3555-ch08-occupy-within-60-days
    section: USDA HB-1-3555 Ch. 8.2.C — Occupying the Property [7 CFR 3555.151(c)]
    description: |
      Applicants must agree to personally occupy the dwelling as a
      principal residence throughout the term of the loan. Bona
      fide occupancy in the home as the applicants' principal
      residence within 60 days after signing the security
      instruments is required.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence (i) the applicants' agreement to occupy the dwelling as their principal residence throughout the term, and (ii) bona fide occupancy within 60 days after signing the security instruments (subject to the active-duty military exception in §8.2.C)?
    program_review: Does the program account for the occupancy requirement and its active-duty-military exception — applicant agreement to occupy as principal residence throughout the term and bona fide occupancy within 60 days of signing the security instruments?
    file_review: Pull a sample; confirm the occupancy agreement and the 60-day occupancy basis (or the documented active-duty exception).
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch08
      - occupancy
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 8.2.C — Occupying the Property
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter08.pdf
      snapshot_id: e5cee495ac15a031
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:0f1613fba4b80bfdba136697d3c1ef899957c5efee206ac2b323ed5ba7a96bae
      paragraph_quote: Applicants must agree to personally occupy the dwelling as a principal residence throughout the term of the loan.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot e5cee495ac15a031 (Ch 08) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch08-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T13:45:38+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch08-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from USDA HB-1-3555 ch08 bootstrap — 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.

USDA HB-1-3555 Ch. 8.2 — Applicant Eligibility Requirements

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

The lender must confirm the applicants meet the criteria for obtaining a SFHGLP guarantee prior to full analysis of the applicants’ loan request.

Source: USDA HB-1-3555 Chapter 8.2 — Applicant Eligibility Requirements · source URL · snapshot e5cee495ac15a031

USDA HB-1-3555 Ch. 8.2.A — Owning a Dwelling [7 CFR 3555.151(e)]

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

family housing unit, other than the house associated with the loan request.

Source: USDA HB-1-3555 Chapter 8.2.A — Owning a Dwelling · source URL · snapshot e5cee495ac15a031

USDA HB-1-3555 Ch. 8.2.C — Occupying the Property [7 CFR 3555.151(c)]

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

Applicants must agree to personally occupy the dwelling as a principal residence throughout the term of the loan.

Source: USDA HB-1-3555 Chapter 8.2.C — Occupying the Property · source URL · snapshot e5cee495ac15a031

Did an assistant just answer an USDA question for you? A Procedure Notice replaces chapter text silently. An assistant quoting HB-1-3555 cannot tell you which notice it is working from, or whether a later one moved the rule. This page is the operative text, with its effective date.

Check the answer, or check a whole file. Paste into ChatGPT or Claude:

1. Read https://claudeforcompliance.com/qc/usda-hb-3555-ch08 — the verbatim text of this section with its effective date. Tell me whether the answer you just gave me still matches it. Quote the operative text and its effective date, and flag anything you said that it does not support.

2. Then, if I upload my USDA loan file, fetch https://claudeforcompliance.com/skills/usda-loan-qc/SKILL.md and run a pre-fund QC check against it.

Your loan file never leaves your own AI session. USDA loan QC skill

Operationalizing USDA HB-1-3555 ch08 bootstrap

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/usda-hb-3555-ch08/ · register usda-hb-3555-ch08 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.