source:
  type: guide
  id: hud-4000-1-ii-e-final-underwriting-decision-total
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Final
    Underwriting Decision (TOTAL) (09/14/2015)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Final
    Underwriting Decision (TOTAL) (09/14/2015).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-e-final-underwriting-decision-total-full
  canonical_id: hud-4000-1-ii-e-final-underwriting-decision-total-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Final Underwriting
    Decision (TOTAL) (09/14/2015)
  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 II — e. Final
      Underwriting Decision (TOTAL) (09/14/2015)
    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. Final Underwriting Decision (TOTAL) (09/14/2015) The Mortgagee
      may approve the Mortgage as eligible for FHA insurance endorsement if: • TOTAL
      Mortgage Scorecard rated the mortgage application as Accept; • the underwriter
      underwrote the appraisal according to standard FHA requirements; • the Mortgagee
      reviewed the TOTAL Mortgage Scorecard findings, and verified that all information
      entered into TOTAL Mortgage Scorecard is consistent with mortgage documentation,
      and is true, complete, and accurate; and • the Mortgage meets all FHA requirements
      applicable to Mortgages receiving a rating of Accept from TOTAL Mortgage Scorecard.
      While TOTAL Mortgage Scorecard is available for Mortgagees to use in their pre-
      qualification process of mortgage applicants, the Mortgagee must score the Mortgage
      at least once after assignment of an FHA case number. FHA will not recognize
      the risk assessment nor will information be carried from TOTAL Mortgage Scorecard
      to FHAC for endorsement processing, without an FHA case number. It is imperative
      that the Mortgagees make certain that they enter the FHA case number into their
      Loan Origination System or AUS as soon as it is known. This will ensure a more
      efficient endorsement process. i. Documentation of Final Underwriting Review
      Decision (TOTAL) The Mortgagee must complete the following documents to evidence
      their final underwriting decision. (A) Form HUD-92900-LT, FHA Loan Underwriting
      and Transmittal Summary On form HUD-92900-LT, the Mortgagee must: • indicate
      the CHUMS ID of the underwriter who reviewed the appraisal; • complete the Risk
      Assessment; and • enter the identification of “ZFHA” in the CHUMS ID. When the
      Feedback Certificate indicates “Accept/Ineligible,” the Mortgagee must document
      the circumstances or other reasons that were evaluated in making the decision
      to approve the Mortgage in the Remarks section. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      A. Title II Insured Housing Programs Forward Mortgages 4. Underwriting the Borrower
      Using the TOTAL Mortgage Scorecard (TOTAL) Handbook 4000.1 278 Last Revised:
      11/26/2025 (B) Form HUD-92800.5B, Conditional Commitment Direct Endorsement
      Statement of Appraised Value The underwriter must confirm that form HUD-92800.5B,
      Conditional Commitment Direct Endorsement Statement of Appraised Value, is completed
      as directed in the form instructions. (C) Form HUD-92900-A, HUD Addendum to
      Uniform Residential Loan Application The Mortgagee must complete form HUD-92900-A,
      HUD Addendum to Uniform Residential Loan Application, as directed in the form
      instructions. An authorized officer of the Mortgagee, the Borrower, and the
      underwriter must execute form HUD-92900-A, as indicated in the instructions.
      ii. Conditional Approval (TOTAL) The Mortgagee must condition the approval of
      the Borrower on the completion of the final URLA (Fannie Mae Form 1003/Freddie
      Mac Form 65) and form HUD-92900-A. iii. HUD Employee Mortgages (TOTAL) If the
      Mortgage involves a HUD employee, the Mortgagee must condition the Mortgage
      on its approval by FHA. The Mortgagee must submit the case binder to FHA for
      final underwriting approval. iv. Notification of Borrower of Approval and Term
      of the Approval (TOTAL) The Mortgagee must timely notify the Borrower of their
      approval. The underwriter’s approval or the Firm Commitment is valid for the
      greater of 90 Days or the remaining life of the: • Conditional Commitment issued
      by HUD; or • the underwriter’s approval date of the Property, indicated as Action
      Date on form HUD-92800.5B. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      A. Title II Insured Housing Programs Forward Mortgages 5. Manual Underwriting
      of the Borrower Handbook 4000.1 279 Last Revised: 11/26/2025 5. Manual Underwriting
      of the Borrower The Mortgagee must manually underwrite those applications where
      the AUS issues a Refer or applications which were downgraded to a manual underwrite.
      If a Mortgage receiving the AUS Refer or downgrade to manual processing involves
      a HUD employee, the Mortgagee must underwrite the transaction in accordance
      with the guidance in this Manual Underwriting section. The Mortgagee must submit
      the underwritten mortgage application to FHA for final underwriting approval.'
  judgment: false
