source:
  type: guide
  id: usda-hb-3555-15.7
  authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.7 —
    Lender Response To Conditional Commitment
  description: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.7
    — Lender Response To Conditional Commitment.
  coverage_tier: operative
obligations:
- id: usda-hb-3555-15.7-full
  canonical_id: usda-hb-3555-15.7-full
  section: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.7 — Lender
    Response To Conditional Commitment
  type: do
  tags:
  - regulator-direct
  - usda
  - usda-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.7
      — Lender Response To Conditional Commitment
    source_class: usda-handbook
    source_url: https://www.rd.usda.gov/sites/default/files/hb-1-3555_consolidated.pdf
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-05-25T14:10:13Z'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: "15.7 LENDER RESPONSE TO CONDITIONAL COMMITMENT The lender has\
      \ three responses to the issuance of Form RD 3555-18/18E: the lender may accept\
      \ the terms and conditions, decline the terms and conditions for loan guarantee,\
      \ or request that the terms and conditions be altered. A. Accepting the Conditions\
      \ If the lender understands and agrees to accept the conditions listed on Form\
      \ RD 3555- 18/18E, no further communication with the Agency is required until\
      \ the lender is ready to request the loan guarantee. The loan must close in\
      \ accordance with Form RD 3555- 18/18E which includes: 1. A loan amount equal\
      \ to or less than the authorized amount, 2. An interest rate equal to or less\
      \ than the authorized amount, and 3. Compliance with all stated conditions.\
      \ HB-1-3555 (03-09-16) SPECIAL PN 15-7 Revised (08-05-25) PN 694 Guidance documents\
      \ lack the force and effect of law, unless expressly authorized by statute or\
      \ incorporated into a contract. USDA may not cite, use, or rely on any guidance\
      \ that is not available through their guidance portal, except to establish historical\
      \ facts. B. Declining the Conditions for Loan Guarantee If the lender determines\
      \ that the terms and conditions stated on Form RD 3555- 18/18E cannot be met,\
      \ that the loan guarantee is not needed, or that the loan will not go to closing,\
      \ the lender must inform the Agency in writing as soon as possible. The funds\
      \ for that loan request are reserved for the transaction until the expiration\
      \ of the Conditional Commitment. Upon being informed that the lender intends\
      \ to decline the conditions for loan guarantee, Agency staff will cancel the\
      \ loan guarantee obligation in GLS. This will release the committed funds for\
      \ reallocation to a new commitment. C. Requesting Changes in Conditions Requests\
      \ to close the loan at a lower loan amount or interest rate than those authorized\
      \ on the issued Conditional Commitment do not require any action. If the lender\
      \ believes that there are erroneous conditions and requirements on Form RD 3555-\
      \ 18/18E that should be altered, the lender may contact the Agency and propose\
      \ alternatives. The request must be made via email and must not affect the eligibility\
      \ of the loan. Modifications that adversely affect the loan, such as an increase\
      \ in loan amount, interest rate, monthly liabilities, real estate taxes and\
      \ homeowner’s insurance (that exceed the allowed threshold); or lower repayment\
      \ income, assets, etc. require a new underwriting review. Refer to the resubmission\
      \ policy outlined in Chapter 5 of this Handbook. The lender is not authorized\
      \ to close the loan until a new Form RD 3555- 18/18E is issued. HB 1-3555 Attachment\
      \ 15-A (03-09-16) SPECIAL PN 15-8 Revised (08-05-25) PN 694 Guidance documents\
      \ lack the force and effect of law, unless expressly authorized by statute or\
      \ incorporated into a contract. USDA may not cite, use, or rely on any guidance\
      \ that is not available through their guidance portal, except to establish historical\
      \ facts. ATTACHMENT 15-A Guaranteed Rural Housing Loan Origination Checklist\
      \ >ĞŶĚĞƌ\x03/ŶƐƚƌƵĐƟŽŶƐ͗\x03\x03^Ƶďŵŝƚ\x03ƚŚĞ\x03ŝĚĞŶƟĮĞĚ\x03ĚŽĐƵŵĞŶƚƐ\x03ĨŽƌ\x03\
      ƚŚĞ\x03ĂƉƉůŝĐĂďůĞ\x03ůŽĂŶ\x03ƚǇƉĞ͘\x03\x03dŽ\x03ĞǆƉĞĚŝƚĞ\x03ůŽĂŶ\x03ƌĞǀŝĞǁ͕\x03\
      ƉůĞĂƐĞ\x03ƐƵďŵŝƚ\x03ŽŶůǇ\x03ƚŚĞ\x03 ŝĚĞŶƟĮĞĚ\x03ĚŽĐƵŵĞŶƚƐ͘\x03\x03\x18ŽĐƵŵĞŶƚƐ\x03\
      ŵƵƐƚ\x03ŶŽƚ\x03ĞǆĐĞĞĚ\x03ƚŚĞ\x03ŵĂǆŝŵƵŵ\x03ĂůůŽǁĂďůĞ\x03ĂŐĞ\x03ƐĞƚ\x03ĨŽƌƚŚ\x03\
      ŝŶ\x03ƚŚĞ\x03ϳ\x03\x12&Z\x03ϯϱϱϱ\x03ĂŶĚ\x03,ĂŶĚďŽŽŬ\x03ϭͲϯϱϱϱ͘ ZƵƌĂů\x03\x18\
      ĞǀĞůŽƉŵĞŶƚ\x03ǁŝůů\x03ĐŽŶƐŝĚĞƌ\x03Ăůů\x03ĚŽĐƵŵĞŶƚƐ\x03ƐƵďŵŝƩĞĚ\x03ĂƐ\x03ƚŚĞ\x03\
      ĐĞƌƟĮĞĚ\x03ĂŶĚ\x03ƚƌƵĞ\x03ĐŽƉŝĞƐ\x03ŽĨ\x03ƚŚĞ\x03ŽƌŝŐŝŶĂů\x03ĚŽĐƵŵĞŶƚƐ\x03ƌĞƚĂŝŶĞĚ\x03\
      ŝŶ\x03ƚŚĞ\x03 ůĞŶĚĞƌ͛Ɛ\x03ƉĞƌŵĂŶĞŶƚ\x03ĮůĞ͘\x03>ĞŶĚĞƌƐ\x03ƐŚŽƵůĚ\x03ƐƵďŵŝƚ\x03\
      ůŽĂŶ\x03ĮůĞƐ\x03ĞůĞĐƚƌŽŶŝĐĂůůǇ\x03ƚŽ\x03ZƵƌĂů\x03\x18ĞǀĞůŽƉŵĞŶƚ͘\x03\x03^ĞĞ\x03\
      ϰ͘ϭ͘ϭϯ\x03ŽĨ\x03ƚŚĞ\x03'h^\x03ůĞŶĚĞƌ\x03ƵƐĞƌ\x03 ŐƵŝĚĞ\x03;ƵƐĚĂ͘ŐŽǀͿ ĨŽƌ\x03\
      ĨƵƌƚŚĞƌ\x03ŝŶĨŽƌŵĂƟŽŶ\x03ŽŶ\x03ƐƵďŵŝƫŶŐ\x03Ă\x03ĮůĞ\x03ƚŚƌŽƵŐŚ\x03'h^͕\x03ĂƐ\x03\
      ǁĞůů\x03ĂƐ\x03ƚŚĞ\x03DĂŶƵĂů\x03^ƵďŵŝƐƐŝŽŶ\x03:Žď\x03\x04ŝĚ\x03;ƵƐĚĂ͘ŐŽǀͿ ĨŽƌ\x03\
      \ ĮůĞƐ\x03ŶŽƚ\x03ƐƵƉƉŽƌƚĞĚ\x03ďǇ\x03'h^͘\x03 General Information \x04ƉƉůŝĐĂŶƚ;ƐͿ͗\
      \ >ĞŶĚĞƌ͗ \x18ĂƚĞ͗ Loan Origination Checklist Guaranteed Underwriting System\
      \ (GUS)- Purchase and Non-Streamlined and Streamlined Refinance Transactions\
      \ Underwriting Recommendation: ACCEPT When submitting documents in GUS, the\
      \ appraisal report must be uploaded separately in color. \x86 &Žƌŵ\x03Z\x18\x03\
      ϯϱϱϱͲϮϭ͕\x03ZĞƋƵĞƐƚ\x03ĨŽƌ\x03^ŝŶŐůĞ\x03&ĂŵŝůǇ\x03,ŽƵƐŝŶŐ\x03>ŽĂŶ\x03'ƵĂƌĂŶƚĞĞ\
      \ /ŶĐůƵĚĞ\x03Ăůů\x03ƉĂŐĞƐ\x03ĨƌŽŵ\x03ƚŚĞ\x03ĐƵƌƌĞŶƚ\x03ƉƵďůŝƐŚĞĚ\x03ǀĞƌƐŝŽŶ\
      \ ǆĞĐƵƚĞĚ\x03ďǇ\x03ĂƉƉůŝĐĂŶƚ;ƐͿ\x03ĂŶĚ\x03ůĞŶĚĞƌ\x03 \x86 & D\x04\x03^ƚĂŶĚĂƌĚ\x03\
      &ůŽŽĚ\x03,ĂǌĂƌĚ\x03\x18ĞƚĞƌŵŝŶĂƟŽŶ\x03&Žƌŵ EĞǁ\x03ĐŽŶƐƚƌƵĐƟŽŶ\x03ƉƌŽƉĞƌƟĞƐ\x03\
      ůŽĐĂƚĞĚ\x03ŝŶ\x03ϭϬϬͲǇĞĂƌ\x03ŇŽŽĚ\x03ƉůĂŝŶƐ\x03ƌĞƋƵŝƌĞ\x03ĂĚĚŝƟŽŶĂů\x03ĚŽĐƵŵĞŶƚĂƟŽŶ͕\x03\
      ŝŶĐůƵĚŝŶŐ\x03 ĐŽŶĮƌŵĂƟŽŶ\x03ƚŚĞ\x03ďĂƐĞ\x03ŇŽŽĚ\x03ĞůĞǀĂƟŽŶ\x03;\x11& Ϳ\x03\
      ŝƐ\x03ďĞůŽǁ\x03ůŽǁĞƐƚ\x03ŚĂďŝƚĂďůĞ\x03ŇŽŽƌ͘\x03 >ĞŶĚĞƌ\x03ƚŽ\x03ƵƐĞ\x03ƚŚĞ\x03\
      ŵŽƐƚ\x03ĐƵƌƌĞŶƚ\x03ĨŽƌŵ\x03ĂǀĂŝůĂďůĞ\x03ĨƌŽŵ\x03& D\x04͘ \x86 DŽƌƚŐĂŐĞ\x03WĂǇŽī\x03\
      ^ƚĂƚĞŵĞŶƚ͗\x03/Ĩ\x03ƌĞĮŶĂŶĐĞ\x03ƚƌĂŶƐĂĐƟŽŶ \x86 hŶŝĨŽƌŵ\x03ZĞƐŝĚĞŶƟĂů\x03\x04\
      ƉƉƌĂŝƐĂů\x03ZĞƉŽƌƚ\x03;hZ\x04ZͿ dŚĞ\x03ĂƉƉƌĂŝƐĞƌ\x03ŵƵƐƚ\x03ƵƐĞ\x03ƚŚĞ\x03ŵŽƐƚ\x03\
      ĐƵƌƌĞŶƚ\x03ĨŽƌŵƐ\x03ĂĐĐĞƉƚĂďůĞ\x03ƚŽ\x03&ĂŶŶŝĞ\x03DĂĞ͕\x03&ƌĞĚĚŝĞ\x03DĂĐ͕\x03\
      s\x04͕\x03Žƌ\x03,h\x18͘\x03\x03 EŽƚ\x03ƌĞƋƵŝƌĞĚ\x03ĨŽƌ\x03ŵŽƐƚ\x03ƐƚƌĞĂŵůŝŶĞĚ\x03\
      ƌĞĮŶĂŶĐĞ\x03ƚƌĂŶƐĂĐƟŽŶƐ͘ HB 1-3555 Attachment 15-A (03-09-16) SPECIAL PN 15-9\
      \ Revised (08-05-25) PN 694 Guidance documents lack the force and effect of\
      \ law, unless expressly authorized by statute or incorporated into a contract.\
      \ USDA may not cite, use, or rely on any guidance that is not available through\
      \ their guidance portal, except to establish historical facts. >ŽĂŶ\x03KƌŝŐŝŶĂƟŽŶ\x03\
      \x12ŚĞĐŬůŝƐƚ\x03 &ŝůĞƐ\x03EŽƚ\x03^ƵƉƉŽƌƚĞĚ\x03\x11Ǉ\x03'h^͕\x03'h^\x03ZĞĨĞƌͬZĞĨĞƌ\x03\
      ǁŝƚŚ\x03\x12ĂƵƟŽŶ\x03hŶĚĞƌǁƌŝƟŶŐ\x03ZĞĐŽŵŵĞŶĚĂƟŽŶ͕\x03Žƌ\x03 'h^\x03\x04ĐĐĞƉƚ\x03\
      ǁŝƚŚ\x03&Ƶůů\x03\x18ŽĐƵŵĞŶƚĂƟŽŶ\x03DĞƐƐĂŐĞ\x03ŽŶ\x03'h^\x03hŶĚĞƌǁƌŝƟŶŐ\x03&ŝŶĚŝŶŐƐ\x03\
      ĂŶĚ\x03\x04ŶĂůǇƐŝƐ\x03ZĞƉŽƌƚ\x03 tŚĞŶ\x03ƐƵďŵŝƫŶŐ\x03ĚŽĐƵŵĞŶƚƐ\x03ŝŶ\x03'h^͕\x03\
      ƚŚĞ\x03ĂƉƉƌĂŝƐĂů\x03ƌĞƉŽƌƚ\x03ŵƵƐƚ\x03ďĞ\x03ƵƉůŽĂĚĞĚ\x03ƐĞƉĂƌĂƚĞůǇ\x03ŝŶ\x03\
      ĐŽůŽƌ͘\x03\x03\x03 dŚĞ\x03DĂŶƵĂů\x03&ŝůĞ\x03^ƵďŵŝƐƐŝŽŶ\x03:Žď\x03\x04ŝĚ\x03\
      ůŽĐĂƚĞĚ\x03ŽŶ\x03ƚŚĞ\x03>/E\x12\x03dƌĂŝŶŝŶŐ\x03ĂŶĚ\x03ZĞƐŽƵƌĐĞ\x03>ŝďƌĂƌǇ\x03\
      Ăƚ\x03 ŚƩƉƐ͗ͬͬǁǁǁ͘ƌĚ͘ƵƐĚĂ͘ŐŽǀͬƌĞƐŽƵƌĐĞƐͬƵƐĚĂͲůŝŶĐͲƚƌĂŝŶŝŶŐͲƌĞƐŽƵƌĐĞͲůŝďƌĂƌǇͬůŽĂŶͲŽƌŝŐŝŶĂƟŽŶ\x03\
      \ \x86\x03 &Žƌŵ\x03Z\x18\x03ϯϱϱϱͲϮϭ͕\x03ZĞƋƵĞƐƚ\x03ĨŽƌ\x03^ŝŶŐůĞ\x03&ĂŵŝůǇ\x03\
      ,ŽƵƐŝŶŐ\x03>ŽĂŶ\x03'ƵĂƌĂŶƚĞĞ\x03 /ŶĐůƵĚĞ\x03Ăůů\x03ƉĂŐĞƐ\x03ĨƌŽŵ\x03ĐƵƌƌĞŶƚ\x03\
      ƉƵďůŝƐŚĞĚ\x03ǀĞƌƐŝŽŶ\x03 ǆĞĐƵƚĞĚ\x03ďǇ\x03ĂƉƉůŝĐĂŶƚ;ƐͿ\x03ĂŶĚ\x03ůĞŶĚĞƌ\x03\x03\
      \ \x86\x03 hŶĚĞƌǁƌŝƟŶŐ\x03\x04ŶĂůǇƐŝƐ͗\x03\x03&ED\x04\x03ϭϬϬϴͬ&,>D\x12\x03ϭϬϳϳ͕\x03\
      Žƌ\x03ƐŝŵŝůĂƌ\x03ĨŽƌŵ\x03\x03 \x18ŽĐƵŵĞŶƚĂƟŽŶ\x03ŽĨ\x03ĂŶŶƵĂů\x03ĂŶĚ\x03ƌĞƉĂǇŵĞŶƚ\x03\
      ŝŶĐŽŵĞ\x03ĐĂůĐƵůĂƟŽŶƐ\x03 \x12ƌĞĚŝƚ\x03ǁĂŝǀĞƌ\x03ĞǆƉůĂŶĂƟŽŶƐ͕\x03ĚĞďƚ\x03ƌĂƟŽ\x03\
      ǁĂŝǀĞƌ\x03ĐŽŵƉĞŶƐĂƟŶŐ\x03ĨĂĐƚŽƌƐ͕\x03ĂŶĚ\x03ŽǀĞƌĂůů\x03ůŽĂŶ\x03ĮůĞ\x03ĐŽŵŵĞŶƚƐ\x03\
      ŵĂǇ\x03ďĞ\x03 ĚŽĐƵŵĞŶƚĞĚ\x03ŽŶ\x03ƚŚŝƐ\x03ĨŽƌŵ\x03 \x86\x03 /ŶĐŽŵĞ\x03sĞƌŝĮĐĂƟŽŶ\x03\
      \x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03\x04ƉƉůŝĐĂďůĞ\x03ŵĞƚŚŽĚƐ\x03 \x04ůƚĞƌŶĂƟǀĞ\x03\x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\
      \x03EŽŶ\x03ƐĞůĨͲĞŵƉůŽǇĞĚ͗\x03 tƌŝƩĞŶͬ ůĞĐƚƌŽŶŝĐ\x03sK \x03н\x03ϭ\x03ĞĂƌŶŝŶŐ\x03\
      ƐƚĂƚĞŵĞŶƚ\x03ǁŝƚŚ\x03zd\x18\x03ĮŐƵƌĞƐ\x03 &Ƶůů\x03\x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03EŽŶ\x03\
      ƐĞůĨͲĞŵƉůŽǇĞĚ͗\x03 Ϯ\x03ǇĞĂƌƐ\x03tͲϮƐ\x03н\x03ϰ\x03ǁĞĞŬƐ\x03ŽĨ\x03ĞĂƌŶŝŶŐ\x03\
      ƐƚĂƚĞŵĞŶƚƐ\x03ǁŝƚŚ\x03zd\x18\x03ĮŐƵƌĞƐ\x03 ^ĞůĨͲ ŵƉůŽǇĞĚ͗\x03\x03 Ϯ\x03ǇĞĂƌƐ\x03\
      ƉĞƌƐŽŶĂů\x03ĂŶĚ\x03ďƵƐŝŶĞƐƐ\x03ĮůĞĚ\x03ŝŶĐŽŵĞ\x03ƚĂǆ\x03ƌĞƚƵƌŶƐ\x03Žƌ\x03/Z^\x03\
      ƚƌĂŶƐĐƌŝƉƚƐ\x03ǁŝƚŚ\x03Ăůů\x03ƐĐŚĞĚƵůĞƐ\x03н\x03zd\x18\x03ƉƌŽĮƚ\x03ĂŶĚ\x03ůŽƐƐ\x03\
      \ ƐƚĂƚĞŵĞŶƚ\x03 \x04ĚĚŝƟŽŶĂů\x03/ŶĐŽŵĞ\x03dǇƉĞƐ͗\x03\x03^^/͕\x03s\x04\x03\x11\
      ĞŶĞĮƚƐ͕\x03WĞŶƐŝŽŶ͕\x03ZĞƟƌĞŵĞŶƚ͕\x03ĞƚĐ͘\x03\x03 ZĞĨĞƌ\x03ƚŽ\x03\x12ŚĂƉƚĞƌ\x03\
      ϵ\x03ĨŽƌ\x03ĂĐĐĞƉƚĂďůĞ\x03ǀĞƌŝĮĐĂƟŽŶ\x03ĚŽĐƵŵĞŶƚƐ\x03\x03 \x86\x03 \x04ƐƐĞƚ\x03\
      \x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03\x03 \x18ŽĐƵŵĞŶƚĂƟŽŶ\x03ĨŽƌ\x03Ăůů\x03ĂƉƉůŝĐĂďůĞ\x03\
      ŚŽƵƐĞŚŽůĚ\x03ŵĞŵďĞƌƐ\x03ƉĞƌ\x03ϯϱϱϱ͘ϭϱϮ;ĚͿ\x03 sK\x18͛Ɛ͕\x03ďĂŶŬ\x03Žƌ\x03ŝŶǀĞƐƚŵĞŶƚ\x03\
      ƐƚĂƚĞŵĞŶƚƐ͕\x03ŐŝŌ\x03ůĞƩĞƌƐ͕\x03ĞƚĐ͘\x03\x03 ZĞĨĞƌ\x03ƚŽ\x03\x12ŚĂƉƚĞƌ\x03\
      ϵ\x03ĨŽƌ\x03ĂĐĐĞƉƚĂďůĞ\x03ǀĞƌŝĮĐĂƟŽŶ\x03ĚŽĐƵŵĞŶƚƐ\x03ĨŽƌ\x03ĞĂĐŚ\x03ĂƐƐĞƚ\x03\
      ƚǇƉĞ͘\x03\x03 \x86\x03 \x12ƌĞĚŝƚ\x03ZĞƉŽƌƚ͗\x03;ĂƐ\x03ĂƉƉůŝĐĂďůĞͿ\x03 \x12ƌĞĚŝƚ\x03\
      ZĞƉŽƌƚ͗\x03\x03&Žƌ\x03ůŽĂŶƐ\x03ƐƵďŵŝƩĞĚ\x03ŽƵƚƐŝĚĞ\x03ŽĨ\x03'h^͘\x03\x03'h^\x03\
      ůŽĂŶƐ\x03ǁŝůů\x03ŚĂǀĞ\x03ƚŚĞ\x03ĐƌĞĚŝƚ\x03ƌĞƉŽƌƚ\x03ƵƉůŽĂĚĞĚ͘\x03\x03\x03\x03\
      \ EŽŶͲdƌĂĚŝƟŽŶĂů\x03ĐƌĞĚŝƚ\x03ƚƌĂĚĞůŝŶĞƐ͕\x03ĂƐ\x03ĂƉƉůŝĐĂďůĞ\x03\x03 \x12ƌĞĚŝƚ\x03\
      ƐƵƉƉůĞŵĞŶƚƐ͕\x03ŝĨ\x03ƵƟůŝǌĞĚ\x03ƚŽ\x03ƐƵƉƉŽƌƚ\x03ĚĂƚĂ\x03ĂĚũƵƐƚĞĚ\x03ĨƌŽŵ\x03\
      ĐƌĞĚŝƚ\x03ƌĞƉŽƌƚ\x03\x03 \x86\x03 sĞƌŝĮĐĂƟŽŶ\x03ŽĨ\x03ZĞŶƚ͗\x03\x03\x03 EKd\x03\
      \x04WW>/\x12\x04\x11> \x03&KZ\x03'h^\x03\x04\x12\x12 Wd\x03&h>>\x03\x18K\x12\
      hD Ed\x04d/KE\x03\x03 \x04ƉƉůŝĐĂďůĞ\x03ĨŽƌ\x03ŵĂŶƵĂůůǇ\x03ƵŶĚĞƌǁƌŝƩĞŶ\x03ůŽĂŶƐ\x03\
      ǁŝƚŚ\x03ĐƌĞĚŝƚ\x03ƐĐŽƌĞƐ\x03ůĞƐƐ\x03ƚŚĂŶ\x03ϲϴϬ\x03ǁŚĞŶ\x03ƌĞŶƚĂů\x03ŚŝƐƚŽƌǇ\x03\
      ŝƐ\x03ŝŶĚŝĐĂƚĞĚ͘\x03\x03 ZĞĨĞƌ\x03ƚŽ\x03\x12ŚĂƉƚĞƌ\x03ϭϬ\x03ĨŽƌ\x03ŐƵŝĚĂŶĐĞ\x03\
      ŽŶ\x03ĚŽĐƵŵĞŶƟŶŐ\x03ƌĞŶƚ\x03ĂŶĚ\x03ŶŽŶͲƚƌĂĚŝƟŽŶĂů\x03ĐƌĞĚŝƚ\x03ǁŚĞŶ\x03Ă\x03\
      sKZ\x03ŝƐ\x03ƌĞƋƵŝƌĞĚ͕\x03ďƵƚ\x03ŶŽƚ\x03 ĂǀĂŝůĂďůĞ͘\x03 \x86\x03 DŽƌƚŐĂŐĞ\x03\
      WĂǇŽī\x03^ƚĂƚĞŵĞŶƚ͗\x03/Ĩ\x03ƌĞĮŶĂŶĐĞ\x03ƚƌĂŶƐĂĐƟŽŶ\x03 \x03 \x86\x03 & D\x04\
      \x03\x03^ƚĂŶĚĂƌĚ\x03&ůŽŽĚ\x03,ĂǌĂƌĚ\x03\x18ĞƚĞƌŵŝŶĂƟŽŶ\x03&Žƌŵ͗\x03 EĞǁ\x03\
      ĐŽŶƐƚƌƵĐƟŽŶ\x03ƉƌŽƉĞƌƟĞƐ\x03ůŽĐĂƚĞĚ\x03ŝŶ\x03ϭϬϬͲǇĞĂƌ\x03ŇŽŽĚ\x03ƉůĂŝŶƐ\x03\
      ƌĞƋƵŝƌĞ\x03ĂĚĚŝƟŽŶĂů\x03ĚŽĐƵŵĞŶƚĂƟŽŶ͕\x03ŝŶĐůƵĚŝŶŐ\x03 ĐŽŶĮƌŵĂƟŽŶ\x03ďĂƐĞ\x03\
      ŇŽŽĚ\x03ĞůĞǀĂƟŽŶ\x03;\x11& Ϳ\x03ŝƐ\x03ďĞůŽǁ\x03ůŽǁĞƐƚ\x03ŚĂďŝƚĂďůĞ\x03ŇŽŽƌ͘\x03\
      \x03 >ĞŶĚĞƌ\x03ƚŽ\x03ƵƐĞ\x03ŵŽƐƚ\x03ĐƵƌƌĞŶƚ\x03ĨŽƌŵ\x03ĂǀĂŝůĂďůĞ\x03ĨƌŽŵ\x03\
      & D\x04͘\x03 \x86\x03 hŶŝĨŽƌŵ\x03ZĞƐŝĚĞŶƟĂů\x03\x04ƉƉƌĂŝƐĂů\x03ZĞƉŽƌƚ\x03;hZ\x04\
      ZͿ\x03 EKd\x03\x04WW>/\x12\x04\x11> \x03dK\x03DK^d\x03^dZ \x04D>/E \x18\x03\
      KZ\x03^dZ \x04D>/E \x18Ͳ\x04^^/^d\x03Z &/E\x04E\x12 ^\x03\x03 dŚĞ\x03ĂƉƉƌĂŝƐĞƌ\x03\
      ŵƵƐƚ\x03ƵƐĞ\x03ƚŚĞ\x03ŵŽƐƚ\x03ĐƵƌƌĞŶƚ\x03ĨŽƌŵƐ\x03ĂĐĐĞƉƚĂďůĞ\x03ƚŽ\x03&ĂŶŶŝĞ\x03\
      DĂĞ͕\x03&ƌĞĚĚŝĞ\x03DĂĐ͕\x03s\x04͕\x03Žƌ\x03,h\x18͘\x03\x03\x03 \x03 \x03 HB\
      \ 1-3555 Attachment 15-A (03-09-16) SPECIAL PN 15-10 Revised (08-05-25) PN 694\
      \ Guidance documents lack the force and effect of law, unless expressly authorized\
      \ by statute or incorporated into a contract. USDA may not cite, use, or rely\
      \ on any guidance that is not available through their guidance portal, except\
      \ to establish historical facts. \x03 >ŽĂŶ\x03KƌŝŐŝŶĂƟŽŶ\x03\x12ŚĞĐŬůŝƐƚ\x03\
      \ ^ƚƌĞĂŵůŝŶĞĚ\x03\x04ƐƐŝƐƚ\x03ZĞĮŶĂŶĐĞ\x03DĂŶƵĂů\x03hŶĚĞƌǁƌŝƚĞ\x03ZĞǀŝĞǁ\x03\
      \ dŚŝƐ\x03ĐŚĞĐŬůŝƐƚ\x03ŝƐ\x03ĨŽƌ\x03ƚŚĞ\x03^ƚƌĞĂŵůŝŶĞĚ\x03\x04ƐƐŝƐƚ\x03ZĞĮŶĂŶĐĞ\x03\
      ƉƌŽŐƌĂŵ͘\x03\x04ůů\x03ĚŽĐƵŵĞŶƚƐ\x03ŵƵƐƚ\x03ďĞ\x03ƐƵďŵŝƩĞĚ\x03ƚŽ\x03ƚŚĞ\x03\x04\
      ŐĞŶĐǇ\x03ƵƐŝŶŐ\x03'h^͕\x03 ŚŽǁĞǀĞƌ\x03ƚŚĞ\x03ůĞŶĚĞƌ\x03ǁŝůů\x03ŶŽƚ\x03ĐŽŵƉůĞƚĞ\x03\
      Ă\x03ĮŶĂů\x03ƐƵďŵŝƐƐŝŽŶ\x03ŝŶ\x03'h^͘\x03\x03'ƵŝĚĂŶĐĞ\x03ŽŶ\x03ƚŚŝƐ\x03ƉƌŽĐĞƐƐ\x03\
      ĐĂŶ\x03ďĞ\x03ůŽĐĂƚĞĚ\x03ŝŶ\x03ƚŚĞ\x03DĂŶƵĂů\x03&ŝůĞ\x03 ^ƵďŵŝƐƐŝŽŶ\x03:Žď\x03\
      \x04ŝĚ\x03ůŽĐĂƚĞĚ\x03ŽŶ\x03ƚŚĞ\x03>/E\x12\x03dƌĂŝŶŝŶŐ\x03ĂŶĚ\x03ZĞƐŽƵƌĐĞ\x03\
      >ŝďƌĂƌǇ\x03Ăƚ\x03ŚƩƉƐ͗ͬͬǁǁǁ͘ƌĚ͘ƵƐĚĂ͘ŐŽǀͬƌĞƐŽƵƌĐĞƐͬƵƐĚĂͲůŝŶĐͲƚƌĂŝŶŝŶŐͲ ƌĞƐŽƵƌĐĞͲůŝďƌĂƌǇͬůŽĂŶͲŽƌŝŐŝŶĂƟŽŶ͘\x03\
      \ \x03 \x04ŌĞƌ\x03ƵƉůŽĂĚŝŶŐ\x03ĚŽĐƵŵĞŶƚƐ\x03ŝŶ\x03'h^͕\x03ƚŚĞ\x03ůĞŶĚĞƌ\x03\
      ŵƵƐƚ\x03ŶŽƟĨǇ\x03ƚŚĞ\x03\x04ŐĞŶĐǇ\x03ƚŚĞ\x03ĚŽĐƵŵĞŶƚƐ\x03ŚĂǀĞ\x03ďĞĞŶ\x03ƵƉůŽĂĚĞĚ͘\x03\
      \ \x03 tŚĞŶ\x03ƵŶĚĞƌǁƌŝƟŶŐ\x03Ă\x03^ƚƌĞĂŵůŝŶĞĚ\x03\x04ƐƐŝƐƚ\x03ZĞĮŶĂŶĐĞ͗\x03\
      \ o \x11ŽƌƌŽǁĞƌƐ\x03ŵƵƐƚ\x03ƌĞĐĞŝǀĞ\x03Ăƚ\x03ůĞĂƐƚ\x03Ă\x03ΨϱϬ\x03ŶĞƚ\x03ƚĂŶŐŝďůĞ\x03\
      ďĞŶĞĮƚ\x03ƌĞĚƵĐƟŽŶ\x03ŝŶ\x03ƚŽƚĂů\x03ƉƌŝŶĐŝƉĂů͕\x03ŝŶƚĞƌĞƐƚ͕\x03ĂŶĚ\x03ŵŽŶƚŚůǇ\x03\
      ĂŶŶƵĂů\x03 ĨĞĞ\x03ƉĂǇŵĞŶƚ͘\x03\x03 o dŚĞ\x03ŝŶƚĞƌĞƐƚ\x03ƌĂƚĞ\x03ĐĂŶŶŽƚ\x03ĞǆĐĞĞĚ\x03\
      ƚŚĞ\x03ƌĂƚĞ\x03ŽĨ\x03ƚŚĞ\x03ůŽĂŶ\x03ďĞŝŶŐ\x03ƌĞĮŶĂŶĐĞĚ͘\x03 \x03 \x86\x03 &Žƌŵ\x03\
      Z\x18\x03ϯϱϱϱͲϮϭ͕\x03ZĞƋƵĞƐƚ\x03ĨŽƌ\x03^ŝŶŐůĞ\x03&ĂŵŝůǇ\x03,ŽƵƐŝŶŐ\x03>ŽĂŶ\x03\
      'ƵĂƌĂŶƚĞĞ\x03 /ŶĐůƵĚĞ\x03Ăůů\x03ƉĂŐĞƐ\x03ĨƌŽŵ\x03ĐƵƌƌĞŶƚ\x03ƉƵďůŝƐŚĞĚ\x03ǀĞƌƐŝŽŶ\x03\
      \ ǆĞĐƵƚĞĚ\x03ďǇ\x03ĂƉƉůŝĐĂŶƚ;ƐͿ\x03ĂŶĚ\x03ůĞŶĚĞƌ\x03\x03 \x03 \x86\x03 hŶĚĞƌǁƌŝƟŶŐ\x03\
      \x04ŶĂůǇƐŝƐ͗\x03\x03&ED\x04\x03ϭϬϬϴͬ&,>D\x12\x03ϭϬϳϳ͕\x03Žƌ\x03ƐŝŵŝůĂƌ\x03ĨŽƌŵ\x03\
      \x03 \x18ŽĐƵŵĞŶƚĂƟŽŶ\x03ŽĨ\x03ĂŶŶƵĂů\x03ĂŶĚ\x03ĂĚũƵƐƚĞĚ\x03ĂŶŶƵĂů\x03ŝŶĐŽŵĞ\x03\
      ĐĂůĐƵůĂƟŽŶƐ\x03 \x86\x03 hŶŝĨŽƌŵ\x03ZĞƐŝĚĞŶƟĂů\x03>ŽĂŶ\x03\x04ƉƉůŝĐĂƟŽŶ͗\x03\
      \x03&ED\x04\x03ϭϬϬϯͬ&,>D\x12\x03ϲϱ\x03 EŽƚ\x03ƌĞƋƵŝƌĞĚ\x03ƚŽ\x03ďĞ\x03ƐŝŐŶĞĚ\x03\
      ďǇ\x03ĂƉƉůŝĐĂŶƚ;ƐͿ\x03Žƌ\x03ůĞŶĚĞƌ\x03 \x03 \x86\x03 /ŶĐŽŵĞ\x03sĞƌŝĮĐĂƟŽŶ\x03\
      \x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03ZĞƋƵŝƌĞĚ\x03ĨŽƌ\x03\x04ŶŶƵĂů\x03/ŶĐŽŵĞ\x03\x12ĂůĐƵůĂƟŽŶƐ\x03\
      \ \x04ůƚĞƌŶĂƟǀĞ\x03\x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03EŽŶ\x03ƐĞůĨͲĞŵƉůŽǇĞĚ͗\x03 tƌŝƩĞŶͬ\
      \ ůĞĐƚƌŽŶŝĐ\x03sK \x03н\x03ϭ\x03ĞĂƌŶŝŶŐ\x03ƐƚĂƚĞŵĞŶƚ\x03ǁŝƚŚ\x03zd\x18\x03ĮŐƵƌĞƐ\x03\
      \x03 &Ƶůů\x03\x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03EŽŶ\x03ƐĞůĨͲĞŵƉůŽǇĞĚ͗\x03 Ϯ\x03ǇĞĂƌƐ\x03\
      tͲϮ͛Ɛ\x03н\x03ϰ\x03ǁĞĞŬƐ\x03ŽĨ\x03ĞĂƌŶŝŶŐ\x03ƐƚĂƚĞŵĞŶƚƐ\x03ǁŝƚŚ\x03zd\x18\x03\
      ĮŐƵƌĞƐ\x03 ^ĞůĨͲ ŵƉůŽǇĞĚ͗\x03\x03 Ϯ\x03ǇĞĂƌƐ\x03ƉĞƌƐŽŶĂů\x03ĂŶĚ\x03ďƵƐŝŶĞƐƐ\x03\
      ĮůĞĚ\x03ŝŶĐŽŵĞ\x03ƚĂǆ\x03ƌĞƚƵƌŶƐ\x03Žƌ\x03/Z^\x03ƚƌĂŶƐĐƌŝƉƚƐ\x03ǁŝƚŚ\x03Ăůů\x03\
      ƐĐŚĞĚƵůĞƐ\x03н\x03zd\x18\x03ƉƌŽĮƚ\x03ĂŶĚ\x03ůŽƐƐ\x03 ƐƚĂƚĞŵĞŶƚ\x03 \x04ĚĚŝƟŽŶĂů\x03\
      /ŶĐŽŵĞ\x03dǇƉĞƐ͗\x03\x03^^/͕\x03s\x04\x03\x11ĞŶĞĮƚƐ͕\x03WĞŶƐŝŽŶ͕\x03ZĞƟƌĞŵĞŶƚ͕\x03\
      ĞƚĐ͘\x03\x03 ZĞĨĞƌ\x03ƚŽ\x03\x12ŚĂƉƚĞƌ\x03ϵ\x03ĨŽƌ\x03ĂĐĐĞƉƚĂďůĞ\x03ǀĞƌŝĮĐĂƟŽŶ\x03\
      ĚŽĐƵŵĞŶƚƐ\x03\x03 \x03 \x86\x03 \x04ƐƐĞƚ\x03\x18ŽĐƵŵĞŶƚĂƟŽŶ͗\x03\x03\x04ŶŶƵĂů\x03\
      /ŶĐŽŵĞ\x03\x12ĂůĐƵůĂƟŽŶƐ\x03 \x18ŽĐƵŵĞŶƚĂƟŽŶ\x03ĨŽƌ\x03Ăůů\x03ĂƉƉůŝĐĂďůĞ\x03\
      ŚŽƵƐĞŚŽůĚ\x03ŵĞŵďĞƌƐ\x03ƉĞƌ\x03ϯϱϱϱ͘ϭϱϮ;ĚͿ\x03 sK\x18͛Ɛ͕\x03ďĂŶŬ\x03Žƌ\x03ŝŶǀĞƐƚŵĞŶƚ\x03\
      ƐƚĂƚĞŵĞŶƚƐ͕\x03ŐŝŌ\x03ůĞƩĞƌƐ͕\x03ĞƚĐ͘\x03\x03 ZĞĨĞƌ\x03ƚŽ\x03\x12ŚĂƉƚĞƌ\x03\
      ϵ\x03ĨŽƌ\x03ĂĐĐĞƉƚĂďůĞ\x03ǀĞƌŝĮĐĂƟŽŶ\x03ĚŽĐƵŵĞŶƚƐ\x03ĨŽƌ\x03ĞĂĐŚ\x03ĂƐƐĞƚ\x03\
      ƚǇƉĞ͘\x03 \x86\x03 DŽƌƚŐĂŐĞ\x03WĂǇŵĞŶƚ\x03,ŝƐƚŽƌǇ\x03 \x04Ɛ\x03ƐƉĞĐŝĮĞĚ\x03\
      ŝŶ\x03\x12ŚĂƉƚĞƌ\x03ϲ͕\x03^ĞĐƟŽŶ\x03ϲ͘Ϯ\x18\x03 \x12ƌĞĚŝƚ\x03ZĞƉŽƌƚ\x03Žƌ\x03\
      sĞƌŝĮĐĂƟŽŶ\x03ŽĨ\x03DŽƌƚŐĂŐĞ\x03 \x03 \x86\x03 DŽƌƚŐĂŐĞ\x03WĂǇŽī\x03^ƚĂƚĞŵĞŶƚ\x03\
      \ \x03 \x86\x03 hŶŝĨŽƌŵ\x03ZĞƐŝĚĞŶƟĂů\x03\x04ƉƉƌĂŝƐĂů\x03ZĞƉŽƌƚ\x03;hZ\x04ZͿ\x03\
      \ KŶůǇ\x03ĂƉƉůŝĐĂďůĞ\x03ƚŽ\x03ĐƵƌƌĞŶƚ\x03\x18ŝƌĞĐƚ\x03>ŽĂŶ\x03ďŽƌƌŽǁĞƌƐ\x03\
      ĨŽƌ\x03ƚŚĞ\x03ƉƵƌƉŽƐĞ\x03ŽĨ\x03ĐĂůĐƵůĂƟŶŐ\x03ƐƵďƐŝĚǇ\x03ƌĞĐĂƉƚƵƌĞ͘\x03\x03\x03\
      \ HB 1-3555 (03-09-16) SPECIAL PN 16-1 Revised (08-05-25) PN 649 Guidance documents\
      \ lack the force and effect of law, unless expressly authorized by statute or\
      \ incorporated into a contract. USDA may not cite, use, or rely on any guidance\
      \ that is not available through their guidance portal, except to establish historical\
      \ facts. CHAPTER 16: CLOSING THE LOAN AND REQUESTING THE GUARANTEE 7 CFR 3555.107"
  judgment: false
