source:
  type: regulation
  id: usda-7cfr-3555.202
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.202 — Dwelling requirements
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.202 Dwelling requirements.
    Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.202-a
  canonical_id: usda-7cfr-3555.202-a
  section: 7 CFR §3555.202(a)
  description: 'Dwelling requirements — (a): (a) New dwellings. New dwellings must be constructed in accordance
    with certified plans and specifications, and must meet or exceed the International Energy Conservation Code
    (IECC) in effect at the time of construction. The lender must obtain and retain evidence of construction costs,
    inspection re…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.202
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (a) New dwellings. New dwellings must be constructed in accordance with certified plans and
      specifications, and must meet or exceed the International Energy Conservation Code (IECC) in effect at the
      time of construction. The lender must obtain and retain evidence of construction costs, inspection reports,
      certifications, and builder warranties acceptable to Rural Development.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.202 subsection (a) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.202-b
  canonical_id: usda-7cfr-3555.202-b
  section: 7 CFR §3555.202(b)
  description: 'Dwelling requirements — (b): (b) Existing dwellings. Existing dwellings are considered to meet the
    following criteria when inspected and certified as meeting HUD requirements for one-to-four unit dwellings in
    accordance with Agency guidelines: (1) Be structurally sound; (2) Be functionally adequate; (3) Be in good repair,
    or to…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.202
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(b) Existing dwellings. Existing dwellings are considered to meet the following criteria when
      inspected and certified as meeting HUD requirements for one-to-four unit dwellings in accordance with Agency
      guidelines: (1) Be structurally sound; (2) Be functionally adequate; (3) Be in good repair, or to be placed
      in good repair with loan funds; and (4) Have adequate and safe electrical, heating, plumbing, water, and wastewater
      disposal systems.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.202 subsection (b) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.202-c
  canonical_id: usda-7cfr-3555.202-c
  section: 7 CFR §3555.202(c)
  description: 'Dwelling requirements — (c): (c) Escrow account for exterior or interior development. This paragraph
    does not apply if the development is related to a &#x201C;combination construction and permanent loan&#x201D;
    under &#xA7; 3555.101(c). If a dwelling is complete with the exception of interior or exterior development work,
    Rural…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.202
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(c) Escrow account for exterior or interior development. This paragraph does not apply if
      the development is related to a &#x201C;combination construction and permanent loan&#x201D; under &#xA7; 3555.101(c).
      If a dwelling is complete with the exception of interior or exterior development work, Rural Development may
      issue the Loan Note Guarantee on the loan if the following conditions are met: (1) The incomplete work does
      not affect the habitability of the dwelling, nor the health or safety of the housing occupants. (2) The cost
      of any remaining interior or exterior work is not greater than 10 percent of the final loan amount. (3) An
      escrow account is funded in an amount sufficient to assure the completion of the remaining work. This figure
      must be at least 100 percent of the cost of completion but may be higher if the lender determines a higher
      amount is needed. (4) The builder or a licensed contractor has executed a contract providing for completion
      of the planned development within 180 days of loan closing. If the borrower will be completing the planned
      development on an existing dwelling without the services of a contractor, the requirement for an executed
      contract is waived when all of the following conditions are met:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.202 subsection (c) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.202-i
  canonical_id: usda-7cfr-3555.202-i
  section: 7 CFR §3555.202(i)
  description: 'Dwelling requirements — (i): (i) The estimated cost to complete the work is less than 10 percent
    of the total loan amount; (ii) The escrow amount is less than or equal to $10,000; and (iii) The lender has
    determined the borrower has the knowledge and skills necessary to complete the work. (5) The lender may release
    escrowed fun…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.202
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (i) The estimated cost to complete the work is less than 10 percent of the total loan amount;
      (ii) The escrow amount is less than or equal to $10,000; and (iii) The lender has determined the borrower
      has the knowledge and skills necessary to complete the work. (5) The lender may release escrowed funds only
      after obtaining a final inspection report acknowledged by the borrower and indicating all planned development
      has been satisfactorily completed. (6) The lender remains responsible to ensure a final inspection is performed
      and required repairs are completed. (7) The settlement statement reflects the amounts escrowed.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.202 subsection (i) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
