source:
  type: guide
  id: fnma-sel-b3-4.3-13
  authority: Fannie Mae Selling Guide B3-4.3-13 — Sweat Equity
  description: Fannie Mae Selling Guide B3-4.3-13 — Sweat Equity.
  coverage_tier: operative
obligations:
- id: fnma-sel-b3-4.3-13-full
  canonical_id: fnma-sel-b3-4.3-13-full
  section: Fannie Mae Selling Guide B3-4.3-13 — Sweat Equity
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide B3-4.3-13 — Sweat Equity
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/selling-guide
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-05-25T14:09:57Z'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: B3-4.3-13, Sweat Equity (04/15/2014) Introduction This topic
      contains information on sweat equity. Sweat Equity Sweat Equity Generally, sweat
      equity is not an acceptable source of funds for the down payment, closing costs,
      and reserves, since it is diﬃcult to accurately assess the contributory value
      of sweat equity work. Only for speciﬁc transactions and if all eligibility requirements
      are met does Fannie Mae consider sweat equity to be an acceptable source of
      funds. For further detail on the speciﬁc transactions and the eligibility requirements
      to be met, see Chapter B5–6, HomeReady Mortgage. Recent Related Announcements
      There are no recently issued Announcements related to this topic. Published
      May 6, 2026 440
  judgment: false
