source:
  type: guide
  id: hud-4000-1-iv-e-calculation-of-insurance-claim-payment
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Calculation
    of Insurance Claim Payment (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Calculation
    of Insurance Claim Payment (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-e-calculation-of-insurance-claim-payment-full
  canonical_id: hud-4000-1-iv-e-calculation-of-insurance-claim-payment-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Calculation
    of Insurance Claim Payment (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 — e. Calculation
      of Insurance Claim Payment (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: 'e. Calculation of Insurance Claim Payment (05/09/2022) HUD calculates
      the claim payment as follows: Start With Loan Balance as of the Date of Default
      Add: Interim Interest Repossession and Preservation Costs Sales Commission Subtract:
      Best Price Obtainable Credit Due to the Borrower Equals Lender Loss Subtract:
      Coinsurance (10%) Equals Claim Payment (90% of Lender Loss) IV. CLAIMS AND DISPOSITION
      C. Title I Claims 2. Title I Claims for Manufactured Homes Handbook 4000.1 1678
      Last Revised: 11/26/2025'
  judgment: false
