source:
  type: guide
  id: hud-4000-1-ii-k-additional-required-documentation
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Additional
    Required Documentation (09/14/2015)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Additional
    Required Documentation (09/14/2015).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-k-additional-required-documentation-full
  canonical_id: hud-4000-1-ii-k-additional-required-documentation-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Additional
    Required Documentation (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 — k. Additional
      Required Documentation (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: 'k. Additional Required Documentation (09/14/2015) The Consultant
      must provide the Mortgagee with the following documentation. i. 203(k) Consultant’s
      Certification All Consultants are required to sign the following certification
      after preparing/reviewing the Work Write-Up and Cost Estimate, stating: “I hereby
      certify that I have carefully inspected this property for compliance with the
      general acceptability requirements (including health and safety) in HUD’s Minimum
      Property Requirements or Minimum Property Standards. I have required as necessary
      and reviewed the architectural exhibits, including any applicable engineering
      and termite reports, and the estimated rehabilitation cost and they are acceptable
      for the rehabilitation of this property. I have no personal interest, present
      or prospective, in the property, applicant, or proceeds of the mortgage. I also
      certify that I have no identity-of-interest or conflict-of-interest with the
      borrower, seller, mortgagee, real estate agent appraiser, plan reviewer, contractor,
      or subcontractor or any party with a financial interest in the transaction.
      To the best of my knowledge, I have reported all items requiring correction
      and the rehabilitation proposal now meets all HUD requirements for 203(k) Rehabilitation
      Mortgage Insurance.” Warning: HUD will prosecute false claims and statements.
      Conviction may result in criminal and/or civil penalties. (18 U.S.C 1001, 1010,
      1012; 31 U.S.C 3729, 3802). ________________________________________ Consultant’s
      Signature Date ii. Consultant/Borrower Agreement The Consultant and Borrower
      must sign a written agreement that fully explains the services to be performed
      and the fees to be charged for each service. The written agreement must disclose
      to the Borrower that any inspection performed by the Consultant is not a “Home
      Inspection” as detailed in the disclosure form HUD-92564-CN, For Your Protection:
      Get a Home Inspection. iii. Inspections and Draw Requests (A) Draw Request Form
      At each draw inspection, the Consultant must complete form HUD-9746-A, Draw
      Request Section 203(k), to indicate completion of the repairs in compliance
      with the Work Write-Up and architectural exhibits. The Consultant must ensure
      all repairs meet all local codes and ordinances, including any required permits
      and inspections. The Consultant must ensure that both the Borrower and the contractor
      sign the form to certify that the work has been completed in a workmanlike manner
      before authorizing payments. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      A. Title II Insured Housing Programs Forward Mortgages 9. 203(k) Consultant
      Requirements Handbook 4000.1 537 Last Revised: 11/26/2025 Generally, a release
      of funds may not be requested for materials that have been paid for but not
      yet installed. (B) Exception The Consultant may request a release of funds for:
      • materials costs for items, prepaid by the Borrower in cash or by the contractor,
      where a contract is established with the supplier and an order is placed with
      the manufacturer for delivery at a later date; or • up to 50 percent of materials
      costs for items, not yet paid for by the Borrower or contractor, where a contract
      is established with the supplier and an order is placed with the manufacturer
      for delivery at a later date. To request release of funds for these items, the
      Consultant must provide the Mortgagee with a copy of the contract and order
      with the draw request. iv. Change Order Requests The Consultant must complete
      a change order request on form HUD-92577 for contingency items and other changes
      that may increase or decrease the cost of rehabilitation or the value of the
      Property. Work must be 100 percent complete on each change order item before
      the Consultant may authorize release of funds for the work noted on the change
      order. The Consultant must ensure that all repairs meet all local codes and
      ordinances, including any required permits and inspections. II. ORIGINATION
      THROUGH POST-CLOSING/ENDORSEMENT B. Title II Insured Housing Programs Reverse
      Mortgages 1. Origination/Counseling Requirements Handbook 4000.1 538 Last Revised:
      11/26/2025 B. TITLE II INSURED HOUSING PROGRAMS REVERSE MORTGAGES The Title
      II Insured Housing Programs Home Equity Conversion Mortgages (HECM) Origination/Counseling
      Requirements through Post-closing and Endorsement sections in this FHA Single
      Family Housing Policy Handbook (Handbook 4000.1) provide the origination, property
      underwriting, financial assessment, closing, post-closing, and endorsement standards
      and procedures applicable to HECMs insured under Section 255 of Title II of
      the National Housing Act. The Mortgagee must fully comply with all of the following
      standards and procedures in originating, underwriting the Property, conducting
      the financial assessment, and closing for obtaining Federal Housing Administration
      (FHA) mortgage insurance on all HECM transactions. If there are any exceptions
      or program-specific standards or procedures that differ from those set forth
      below, the exceptions or alternative program or product specific standards and
      procedures are explicitly stated in Programs and Products. Terms and acronyms
      used in this Handbook 4000.1 have their meanings defined in the Glossary and
      Acronyms and in the specific section of Handbook 4000.1 in which the definitions
      are located. 1. Origination/Counseling Requirements A HECM refers to a non-recourse,
      reverse mortgage that allows a HECM Borrower (Borrower) access to equity secured
      by the Principal Residence with no corresponding monthly mortgage payment.'
  judgment: false
