source:
  type: guide
  id: fhlmc-5501.4
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5501.4 — Other
    sources of funds
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 5501.4 — Other
    sources of funds.
  coverage_tier: operative
obligations:
- id: fhlmc-5501.4-full
  canonical_id: fhlmc-5501.4-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 5501.4 — Other
    sources of funds
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5501.4 — Other
      sources of funds
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '5501.4: Other sources of funds (05/07/25) Sources of funds eligible
      to be used to qualify the Borrower other than those in Section 5501.3 and the
      eligibility and documentation requirements are described in the tables below.
      These requirements apply to all funds used to qualify the Borrower, including
      reserves. Any limitations on the use of an asset type are specified in the tables.
      Note: See Section 4501.7(c)(ii) for other eligible sources of funds for Home
      Possible® Mortgages and Section 4504.7(c)(ii) for other eligible sources of
      funds for HeritageOne® Mortgages. This section contains requirements related
      to: ■ Gift or grant funds ■ Individual Development Account (IDA) – Agency matching
      funds subject to Recapture ■ Proceeds from an unsecured loan that is an Employer
      Assisted Homeownership (EAH) Benefit (a) Gift or grant funds The following table
      contains eligibility and documentation requirements for gift or grant funds:
      Gift or grant funds Asset type and eligibility requirements Documentation requirements
      1. Gift funds or a gift of equity Gift funds or a gift of equity are an eligible
      source of funds for a Mortgage secured by a Primary Residence or second home
      provided that funds do not have to be repaid and the donor is one of the following:
      ■ A Related Person ■ A trust established by a Related Person Gift letter and
      evidence of receipt of the gift funds. Gift letter must: ■ Be signed by the
      donor. When the gift is provided by a trust or an estate, the gift letter must
      be signed by the trustee or the authorized representative of the estate, as
      applicable. ■ State the donor’s name and that the funds are given by a Related
      Person, a trust Freddie Mac Single-Family Seller/Servicer Guide Chapter 5501
      As of 03/04/26 Page 5501-24 Gift or grant funds Asset type and eligibility requirements
      Documentation requirements ■ The estate of a Related Person When a Mortgage
      is secured by a second home and the loan-to-value (LTV)/total LTV (TLTV)/Home
      Equity Line of Credit (HELOC) (HTLTV) ratio is greater than 80%, the gift is
      permitted only if the Borrower has made a Down Payment of at least 5% from Borrower
      personal funds as described in Section 5501.3. Gift funds must be transferred
      directly from the donor’s account in a financial institution to the Borrower’s
      account or to the settlement or closing agent. Exception: For earnest money
      deposits, the donor may also provide the gift funds directly to a builder or
      real estate agent. Note: Gift funds or gift of equity are not an eligible source
      of funds for Investment Property Mortgages. established by a Related Person
      or the estate of a Related Person, as applicable ■ Include the donor’s mailing
      address and telephone number. When the donor is a trust or an estate, provide
      the mailing address and telephone number of the trustee or authorized representative,
      as applicable. ■ State the actual or the maximum amount of the gift funds or
      gift of equity ■ Establish that the gift funds or gift of equity are a gift
      that does not have to be repaid Receipt of gift funds must be documented by
      one of the following: ■ Transfer of funds from the donor’s account in a financial
      institution to the Borrower’s account (e.g., copies of bank statements from
      both the donor and the Borrower’s accounts, a copy of a canceled gift check
      or a copy of a donor’s withdrawal slip and the Borrower’s deposit slip) ■ Transfer
      of the funds from the donor’s account in a financial institution to the settlement
      or closing agent (e.g., a copy of a cashier’s check or wire transfer confirmation)
      ■ For an earnest money deposit paid by the donor directly to the builder or
      real estate agent, transfer of funds from the donor’s account in a financial
      institution to the earnest money deposit holder (e.g., a copy of a canceled
      gift check, a copy of a cashier’s check or wire transfer confirmation) ■ Funds
      transferred using a third-party money transfer application or service Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 5501 As of 03/04/26 Page 5501-25
      Gift or grant funds Asset type and eligibility requirements Documentation requirements
      are acceptable only when the documentation in the Mortgage file evidences that
      the funds were transferred using the application or service directly from the
      donor’s bank account to the Borrower’s bank account or to the settlement or
      closing agent ■ A gift of equity must be reflected on the Settlement/Closing
      Disclosure Statement 2. Gift funds received as a wedding gift Gift funds received
      as a wedding gift from unrelated persons and/or Related Persons are an eligible
      source of funds for a Mortgage secured by Primary Residence. The gift funds
      must be on deposit in the Borrower’s depository account within 90 days of the
      date of the marriage license or certificate. All of the following: ■ The marriage
      license or certificate ■ A verification of the gift funds in the Borrower’s
      depository account 3. Gift funds received as a graduation gift Gift funds received
      as a graduation gift from unrelated persons and/or Related Persons are an eligible
      source of funds for a Mortgage secured by a Primary Residence. The gift funds
      must be on deposit in the Borrower’s depository account within 90 days of the
      date of graduation. All of the following: ■ Evidence of graduation from an educational
      institution (e.g., diploma or transcripts) that supports the date of graduation
      ■ A verification of the gift funds in the Borrower’s depository account 4. A
      gift or grant from an Agency Documentation supporting a gift or grant from an
      Agency. Examples of acceptable documentation include copies of grant Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 5501 As of 03/04/26 Page 5501-26
      Gift or grant funds Asset type and eligibility requirements Documentation requirements
      A gift or grant from an Agency that does not have to be repaid is an eligible
      source of funds provided that: ■ The gift or grant is given pursuant to an established
      program ■ The Agency is not an interested party (as described in Section 5501.6)
      ■ The funds were not obtained from an interested party either directly or through
      a third party; and ■ With respect to the subject Mortgage, the Agency must not:
      ❑ Be the Seller or have participated in any aspect of the Mortgage origination
      process ❑ Be affiliated with, under contract to or financed (directly or indirectly)
      by the Seller or any party that participated in the Mortgage origination process.
      For these purposes, “affiliated with” means that the Agency and the Seller or
      other party are related to each other as a consequence of one entity directly
      or indirectly controlling the other party, being controlled by the other party
      or being under common control with that party. Gifts and grants from Agencies
      are not eligible sources of funds for program materials, award letters or terms
      and conditions provided to the Borrower. The documentation must: ■ Establish
      that the funds were provided by an Agency ■ Establish that the organization
      has an established gift or grant program ■ Establish that the funds are a gift
      or grant that does not have to be repaid ■ Provide evidence that the funds were
      received by the Borrower or by the Seller on the Borrower’s behalf ■ Identify
      the donor’s mailing address Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 5501 As of 03/04/26 Page 5501-27 Gift or grant funds Asset type and
      eligibility requirements Documentation requirements second home and Investment
      Property Mortgages. Note: For special requirements for gifts or grants from
      Agencies for HeritageOne Mortgages, see Section 4504.7(c)(ii). (b) IDA – Agency
      matching funds subject to Recapture The following table contains eligibility
      and documentation requirements for IDA – Agency matching funds subject to Recapture:
      IDA – Agency matching funds subject to Recapture Asset type and eligibility
      requirements Documentation requirements IDA – Agency matching funds subject
      to Recapture Agency matching funds subject to Recapture are an eligible source
      of funds provided that: ■ The matching funds must be considered a gift or grant
      from an Agency as described in this table ■ A maximum of a 3-to-1 match by an
      Agency’s funds is permitted ■ The Borrower must satisfy any vesting requirements
      of the matching IDA program Note: See Section 5501.3(a) for information related
      to IDA – Agency matching funds not subject to Recapture. Documentation of the
      IDA program verifying: ■ Matching funds are subject to Recapture ■ Ratio of
      matching funds by the Agency ■ Regular payments made by the Borrower and the
      matching organization ■ Vested balance or the percentage of vesting Documentation
      of matching funds subject to a Recapture provision must also meet the requirements
      of this table for a gift or grant from an Agency, except that the Seller does
      not have to establish that the funds do not have to be repaid. (c) Proceeds
      from an unsecured loan that is an EAH Benefit The following table contains eligibility
      and documentation requirements for proceeds from an unsecured loan that is an
      EAH Benefit: Freddie Mac Single-Family Seller/Servicer Guide Chapter 5501 As
      of 03/04/26 Page 5501-28 Proceeds from an unsecured loan that is an EAH Benefit
      Asset type and eligibility requirements Documentation requirements Proceeds
      from an unsecured loan that is an EAH Benefit Proceeds from an unsecured loan
      that is an EAH Benefit are an eligible source of funds provided that the eligibility
      requirements in Section 5501.5 are met. Refer to Section 5501.5 for EAH Benefit
      documentation requirements. 5501.4: Other sources of funds (Future effective
      date 06/03/26) Sources of funds eligible to be used to qualify the Borrower
      other than those in Section 5501.3 and the eligibility and documentation requirements
      are described in the tables below. These requirements apply to all funds used
      to qualify the Borrower, including reserves. Any limitations on the use of an
      asset type are specified in the tables. Note: See Section 4501.7(c)(ii) for
      other eligible sources of funds for Home Possible® Mortgages and Section 4504.7(c)(ii)
      for other eligible sources of funds for HeritageOne® Mortgages. This section
      contains requirements related to: ■ Gift or grant funds ■ Individual Development
      Account (IDA) – Agency matching funds subject to Recapture ■ Proceeds from an
      unsecured loan that is an Employer Assisted Homeownership (EAH) Benefit (a)
      Gift or grant funds The following table contains eligibility and documentation
      requirements for gift or grant funds: Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5501 As of 03/04/26 Page 5501-29 Gift or grant funds Asset type
      and eligibility requirements Documentation requirements 1. Gift funds Gift funds
      are an eligible source of funds for a Mortgage secured by a Primary Residence
      or second home provided that funds do not have to be repaid and the donor is
      one of the following: ■ A Related Person ■ A trust established by a Related
      Person ■ The estate of a Related Person When a Mortgage is secured by a second
      home and the loan-to-value (LTV)/total LTV (TLTV)/Home Equity Line of Credit
      (HELOC) (HTLTV) ratio is greater than 80%, the gift funds are permitted only
      if the Borrower has made a Down Payment of at least 5% from Borrower personal
      funds as described in Section 5501.3. Gift funds must be transferred directly
      from the donor’s account in a financial institution to the Borrower’s account
      or to the settlement or closing agent. Exception: For earnest money deposits,
      the donor may also provide the gift funds directly to a builder or real estate
      agent. Note: Gift funds are not an eligible source of funds for Investment Property
      Mortgages. Gift letter and evidence of receipt of the gift funds. Gift letter
      must: ■ Be signed by the donor. When the gift is provided by a trust or an estate,
      the gift letter must be signed by the trustee or the authorized representative
      of the estate, as applicable. ■ State the donor’s name and that the funds are
      given by a Related Person, a trust established by a Related Person or the estate
      of a Related Person, as applicable ■ Include the donor’s mailing address and
      telephone number. When the donor is a trust or an estate, provide the mailing
      address and telephone number of the trustee or authorized representative, as
      applicable. ■ State the actual or the maximum amount of the gift funds ■ Establish
      that the gift funds are a gift that does not have to be repaid Receipt of gift
      funds must be documented by one of the following: ■ Transfer of funds from the
      donor’s account in a financial institution to the Borrower’s account (e.g.,
      copies of bank statements from both the donor and the Borrower’s accounts, a
      copy of a canceled gift check or a copy of a donor’s withdrawal slip and the
      Borrower’s deposit slip) ■ Transfer of the funds from the donor’s account in
      a financial institution to the settlement or closing agent (e.g., a copy of
      a cashier’s check or wire transfer confirmation) Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5501 As of 03/04/26 Page 5501-30 Gift or grant funds Asset type
      and eligibility requirements Documentation requirements ■ For an earnest money
      deposit paid by the donor directly to the builder or real estate agent, transfer
      of funds from the donor’s account in a financial institution to the earnest
      money deposit holder (e.g., a copy of a canceled gift check, a copy of a cashier’s
      check or wire transfer confirmation) ■ Funds transferred using a third-party
      money transfer application or service are acceptable only when the documentation
      in the Mortgage file evidences that the funds were transferred using the application
      or service directly from the donor’s bank account to the Borrower’s bank account
      or to the settlement or closing agent 2. Gift funds received as a wedding gift
      Gift funds received as a wedding gift from unrelated persons and/or Related
      Persons are an eligible source of funds for a Mortgage secured by Primary Residence.
      The gift funds must be on deposit in the Borrower’s depository account within
      90 days of the date of the marriage license or certificate. All of the following:
      ■ The marriage license or certificate ■ A verification of the gift funds in
      the Borrower’s depository account Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5501 As of 03/04/26 Page 5501-31 Gift or grant funds Asset type
      and eligibility requirements Documentation requirements 3. Gift funds received
      as a graduation gift Gift funds received as a graduation gift from unrelated
      persons and/or Related Persons are an eligible source of funds for a Mortgage
      secured by a Primary Residence. The gift funds must be on deposit in the Borrower’s
      depository account within 90 days of the date of graduation. All of the following:
      ■ Evidence of graduation from an educational institution (e.g., diploma or transcripts)
      that supports the date of graduation ■ A verification of the gift funds in the
      Borrower’s depository account Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 5501 As of 03/04/26 Page 5501-32 Gift or grant funds Asset type and
      eligibility requirements Documentation requirements 4. Gift of equity A gift
      of equity is a credit to the Borrower from the property seller’s equity in the
      subject property. A gift of equity must not used as: ■ A source of funds for
      reserves ■ Cash back to the Borrower A gift of equity is an eligible source
      of funds for a Mortgage secured by a Primary Residence or second home provided
      the gift of equity does not have to be repaid and the donor is one of the following:
      ■ A Related Person ■ A trust established by a Related Person ■ The estate of
      a Related Person When a Mortgage is secured by a second home and the LTV/TLTV/HTLTV
      ratio is greater than 80%, a gift of equity is permitted only if the Borrower
      has made a Down Payment of at least 5% from Borrower personal funds as described
      in Section 5501.3. Note: A gift of equity is not an eligible source of funds
      for Investment Property Mortgages. Gift letter and evidence of receipt of the
      gift of equity. ■ Gift letter must: ❑Be signed by the donor. When the gift is
      provided by a trust or an estate, the gift letter must be signed by the trustee
      or the authorized representative of the estate, as applicable. ❑State the donor’s
      name and that the gift of equity is given by a Related Person, a trust established
      by a Related Person or the estate of a Related Person, as applicable ❑Include
      the donor’s mailing address and telephone number. When the donor is a trust
      or an estate, provide the mailing address and telephone number if the trustee
      or authorized representative, as applicable. ❑State the actual or the maximum
      amount of the gift of equity ❑Establish that the gift of equity does not have
      to be repaid ■ Receipt of the gift of equity must be reflected on the Settlement/Closing
      Disclosure Statement 5. A gift or grant from an Agency A gift or grant from
      an Agency that does not have to be repaid is an Documentation supporting a gift
      or grant from an Agency. Examples of acceptable documentation include copies
      of grant program materials, award letters or terms and conditions provided to
      the Borrower. Freddie Mac Single-Family Seller/Servicer Guide Chapter 5501 As
      of 03/04/26 Page 5501-33 Gift or grant funds Asset type and eligibility requirements
      Documentation requirements eligible source of funds provided that: ■ The gift
      or grant is given pursuant to an established program ■ The Agency is not an
      interested party (as described in Section 5501.6) ■ The funds were not obtained
      from an interested party either directly or through a third party; and ■ With
      respect to the subject Mortgage, the Agency must not: ❑ Be the Seller or have
      participated in any aspect of the Mortgage origination process ❑ Be affiliated
      with, under contract to or financed (directly or indirectly) by the Seller or
      any party that participated in the Mortgage origination process. For these purposes,
      “affiliated with” means that the Agency and the Seller or other party are related
      to each other as a consequence of one entity directly or indirectly controlling
      the other party, being controlled by the other party or being under common control
      with that party. Gifts and grants from Agencies are not eligible sources of
      funds for The documentation must: ■ Establish that the funds were provided by
      an Agency ■ Establish that the organization has an established gift or grant
      program ■ Establish that the funds are a gift or grant that does not have to
      be repaid ■ Provide evidence that the funds were received by the Borrower or
      by the Seller on the Borrower’s behalf ■ Identify the donor’s mailing address
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 5501 As of 03/04/26
      Page 5501-34 Gift or grant funds Asset type and eligibility requirements Documentation
      requirements second home and Investment Property Mortgages. Note: For special
      requirements for gifts or grants from Agencies for HeritageOne Mortgages, see
      Section 4504.7(c)(ii). (b) IDA – Agency matching funds subject to Recapture
      The following table contains eligibility and documentation requirements for
      IDA – Agency matching funds subject to Recapture: IDA – Agency matching funds
      subject to Recapture Asset type and eligibility requirements Documentation requirements
      IDA – Agency matching funds subject to Recapture Agency matching funds subject
      to Recapture are an eligible source of funds provided that: ■ The matching funds
      must be considered a gift or grant from an Agency as described in this table
      ■ A maximum of a 3-to-1 match by an Agency’s funds is permitted ■ The Borrower
      must satisfy any vesting requirements of the matching IDA program Note: See
      Section 5501.3(a) for information related to IDA – Agency matching funds not
      subject to Recapture. Documentation of the IDA program verifying: ■ Matching
      funds are subject to Recapture ■ Ratio of matching funds by the Agency ■ Regular
      payments made by the Borrower and the matching organization ■ Vested balance
      or the percentage of vesting Documentation of matching funds subject to a Recapture
      provision must also meet the requirements of this table for a gift or grant
      from an Agency, except that the Seller does not have to establish that the funds
      do not have to be repaid. (c) Proceeds from an unsecured loan that is an EAH
      Benefit The following table contains eligibility and documentation requirements
      for proceeds from an unsecured loan that is an EAH Benefit: Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 5501 As of 03/04/26 Page 5501-35 Proceeds from
      an unsecured loan that is an EAH Benefit Asset type and eligibility requirements
      Documentation requirements Proceeds from an unsecured loan that is an EAH Benefit
      Proceeds from an unsecured loan that is an EAH Benefit are an eligible source
      of funds provided that the eligibility requirements in Section 5501.5 are met.
      Refer to Section 5501.5 for EAH Benefit documentation requirements. 5501.5:
      Employer Assisted Homeownership (EAH) Benefit (05/07/25) This section contains
      requirements related to: ■ General requirements ■ Types of benefits ■ Documentation
      requirements ■ Special delivery requirement (a) General requirements An Employer
      Assisted Homeownership (EAH) Benefit may be used as a source of funds to qualify
      the Borrower if the terms of the EAH Benefit meet the following requirements:
      ■ The EAH Benefit is provided to an employee from the employer pursuant to an
      established, ongoing and documented employer benefit program, provided: ❑ The
      employer is not an interested party (as described in Section 5501.6); and ❑
      The funds were not obtained from an interested party either directly or through
      a third party ■ The Mortgage is secured by a 1- to 4-unit Primary Residence
      (b) Types of benefits Freddie Mac Single-Family Seller/Servicer Guide Chapter
      5501 As of 03/04/26 Page 5501-36 The EAH Benefit may be any of the following
      types of benefits meeting the requirements in the table below: Requirements
      based on type of EAH Benefit Type of EAH Benefit Requirements Grant See requirements
      for gift or grant from an Agency in Section 5501.4. With respect to the subject
      Mortgage, the requirement that the Agency must not be the Seller or have participated
      in any aspect of the Mortgage origination process and must not be affiliated
      with, under contract to or financed (directly or indirectly) by the Seller or
      any party that participated in the Mortgage origination process does not apply.
      Individual Development Account (IDA) See requirements for matching funds for
      IDAs in Sections 5501.3(a) and 5501.4(b). With respect to the subject Mortgage,
      the requirement that the Agency must not be the Seller or have participated
      in any aspect of the Mortgage origination process and must not be affiliated
      with, under contract to or financed (directly or indirectly) by the Seller or
      any party that participated in the Mortgage origination process does not apply.
      Unsecured loan An unsecured loan may be fully repayable, deferred payment or
      forgivable. The source, terms and conditions must be documented on Form 65,
      Uniform Residential Loan Application. Proceeds from an unsecured loan that is
      an EAH Benefit may be used to fund all or part of the Down Payment or Closing
      Costs. The terms of the EAH Benefit may not require repayment in full unless
      either: ■ The Borrower terminates their employment for any reason ■ The employer
      terminates the Borrower’s employment for any reason other than long-term disability,
      the elimination of the employee’s position or reduction in force If the EAH
      Benefit is fully repayable, the required monthly payment must be included when
      calculating the monthly debt payment-to-income (DTI) ratio. However, if the
      monthly payment of principal and interest or interest only begins on or after
      the 61st monthly payment under the First Lien Mortgage or if repayment of the
      loan is due only upon sale or default, Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 5501 As of 03/04/26 Page 5501-37 the amount of the monthly payment
      may be excluded from the monthly DTI ratio. Note: See Section 4408.1 for requirements
      when an EAH Benefit is used as a source of funds to qualify for a Mortgage made
      pursuant to an employee relocation program. Secondary financing Secondary financing
      may be fully repayable, deferred payment or forgivable and must meet the secondary
      financing requirements in Sections 4204.1(a) and 4204.1(b). The terms of the
      EAH Benefit may not require repayment in full unless either: ■ The Borrower
      terminates their employment for any reason ■ The employer terminates the Borrower’s
      employment for any reason other than long-term disability, the elimination of
      the employee’s position or reduction in force If the monthly payment of principal
      and interest or interest only begins on or after the 61st monthly payment under
      the First Lien Mortgage or if repayment of the loan is due only upon sale or
      default, the amount of the monthly payment may be excluded from the monthly
      DTI ratio; otherwise, the required monthly payments must be included in calculating
      the monthly housing expense-to-income ratio. Note: See Section 4408.1 for requirements
      when an EAH Benefit is used as a source of funds to qualify for a Mortgage made
      pursuant to an employee relocation program. Affordable Second® An Affordable
      Second may be fully repayable, deferred payment or forgivable, and must meet
      the Affordable Seconds requirements of Section 4204.2. With respect to the subject
      Mortgage, the requirement that the Agency must not be the Seller or have participated
      in any aspect of the Mortgage origination process and must not be affiliated
      with, under contract to or financed (directly or indirectly) by the Seller or
      any party that participated in the Mortgage origination process does not apply.
      The terms of the EAH Benefit may not require repayment in full unless either:
      ■ The Borrower terminates their employment for any reason ■ The employer terminates
      the Borrower’s employment for any reason other than long-term disability, the
      elimination of the employee’s position or reduction in force Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 5501 As of 03/04/26 Page 5501-38 If the monthly
      payment of principal and interest or interest only begins on or after the 61st
      monthly payment under the First Lien Mortgage or if repayment of the loan is
      due only upon sale or default, the amount of the monthly payment may be excluded
      from the monthly DTI ratio; otherwise, the required monthly payments must be
      included in calculating the monthly housing expense-to-income ratio. (c) Documentation
      requirements In addition to the documentation requirements for specific benefit
      types, the following requirements must be met: ■ EAH Benefits must be documented
      with a copy of the employer benefit program that provides the amount of the
      benefit and the terms of the program ■ Evidence of receipt of the EAH Benefit
      must be provided (e.g., funds on deposit in Borrower’s account or funds reflected
      on the Settlement/Closing Disclosure Statement) (d) Special delivery requirement
      The Seller must deliver ULDD Data Point Investor Feature Identifier valid value
      “D25” when delivering a Mortgage with EAH Benefits. See Section 6302.29 for
      more information.'
  judgment: false
