source:
  type: guide
  id: hud-4000-1-iv-b-maximum-claim-filing-deadline
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Maximum
    Claim Filing Deadline (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Maximum
    Claim Filing Deadline (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-b-maximum-claim-filing-deadline-full
  canonical_id: hud-4000-1-iv-b-maximum-claim-filing-deadline-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Maximum
    Claim Filing Deadline (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 — b. Maximum
      Claim Filing Deadline (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: 'b. Maximum Claim Filing Deadline (05/09/2022) i. Definition
      The Date of Default is 30 Days after the due date of the first unpaid installment.
      Funds received by the Lender that equal a full installment, when applied to
      the overdue installments in the order in which they became due, advance the
      date of the oldest unpaid installment. ii. Standard The Lender must file a claim
      not later than three months after the date of sale of the Property securing
      the Loan, but not to exceed 18 months after the date of Default. iii. Exception
      to Claim Filing Deadline Exceptions to the maximum claim filing period are allowed
      when the Lender can document that the length of delay was reasonable based on
      the following: • litigation related to the Loan, including bankruptcy, if initiated
      prior to the end of the claim filing deadline. The claim must be filed within
      three months of the end of the litigation; • management control of the Lender
      is assumed by a federal or state agency (e.g., the Federal Deposit Insurance
      Corporation (FDIC)); • the Borrower experiences a financial hardship directly
      attributable to a major disaster declared by the President of the United States,
      provided the claim is filed no later than 12 months after the date of Default;
      • the Lender can show clear evidence as to why the delay in claim filing was
      in the interest of HUD; or IV. CLAIMS AND DISPOSITION C. Title I Claims 2. Title
      I Claims for Manufactured Homes Handbook 4000.1 1675 Last Revised: 11/26/2025
      • military service by the Borrower as defined in the most recent available SCRA,
      as adopted by HUD. Any period of military service after the date of Default
      is excluded in computing the maximum time period for filing an insurance claim.'
  judgment: false
