source:
  type: guide
  id: hud-4000-1-iv-h-repossession-and-preservation-cost
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession
    and Preservation Cost (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession
    and Preservation Cost (05/09/2022).
  coverage_tier: operative
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)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession
      and Preservation Cost (05/09/2022)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    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.'
  judgment: false
