source:
  type: regulation
  id: usda-hb-3555-ch08
  authority: USDA HB-1-3555 ch08 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch08 register.
obligations:
- id: usda-hb-3555-ch08-confirm-applicant-criteria-pre-analysis
  canonical_id: usda-hb-3555-ch08-confirm-applicant-criteria-pre-analysis
  section: "USDA HB-1-3555 Ch. 8.2 — Applicant Eligibility Requirements"
  description: '[LENDER] must confirm the applicants meet the criteria for

    obtaining a SFHGLP guarantee prior to full analysis of the

    applicants'' loan request.

    '
  type: do
  audit_question: For every USDA SFHGLP loan request, can [LENDER] evidence that it confirmed the applicants meet the program's applicant eligibility criteria BEFORE performing full income, credit, and ratio analysis?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch08
  - applicant-eligibility
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 8.2 — Applicant Eligibility Requirements"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter08.pdf
    snapshot_id: e5cee495ac15a031
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:0f1613fba4b80bfdba136697d3c1ef899957c5efee206ac2b323ed5ba7a96bae
    paragraph_quote: The lender must confirm the applicants meet the criteria for obtaining a SFHGLP
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot e5cee495ac15a031 (Ch 08) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:45:38+00:00'
  promoted_from: usda-hb-3555-ch08-roundb-v1.yaml
  program_review: Does the workflow require confirming applicant eligibility BEFORE full income/credit/ratio analysis, so ineligible applicants are screened out first?
  file_review: Pull a sample; confirm the eligibility screen preceded full underwriting analysis in the file sequence.
  judgment: false
- id: usda-hb-3555-ch08-only-one-other-sfh-unit
  canonical_id: usda-hb-3555-ch08-only-one-other-sfh-unit
  section: "USDA HB-1-3555 Ch. 8.2.A — Owning a Dwelling [7 CFR 3555.151(e)]"
  description: 'The loan applicants are limited to owning one single family

    housing unit, other than the house associated with the loan

    request. It is not the intent of the SFHGLP to assist applicants

    in building an investment portfolio.

    '
  type: do
  audit_question: "For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that the applicants own no more than one single family housing unit other than the subject property, and that any retained existing dwelling meets the four §8.2.A criteria (not financially responsible for another Agency-guaranteed/direct loan at closing; financially qualified; will occupy the subject; existing home no longer meets needs)?"
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: Loan ineligible for SFHGLP guarantee.
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch08
  - dwelling-limit
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 8.2.A — Owning a Dwelling"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter08.pdf
    snapshot_id: e5cee495ac15a031
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:0f1613fba4b80bfdba136697d3c1ef899957c5efee206ac2b323ed5ba7a96bae
    paragraph_quote: family housing unit, other than the house associated with the loan request.
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot e5cee495ac15a031 (Ch 08) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:45:38+00:00'
  promoted_from: usda-hb-3555-ch08-roundb-v1.yaml
  program_review: Does the program account for the one-other-SFH-unit limit and the four retained-dwelling conditions (no financial responsibility for another Agency loan at closing; financially qualified; will occupy the subject; existing home no longer meets needs)?
  file_review: Spot-check files where the applicant retains a dwelling; confirm the one-unit limit and the four §8.2.A retained-dwelling conditions. The officer judges whether 'no longer meets needs' is adequately supported.
  judgment: true
- id: usda-hb-3555-ch08-occupy-within-60-days
  canonical_id: usda-hb-3555-ch08-occupy-within-60-days
  section: "USDA HB-1-3555 Ch. 8.2.C — Occupying the Property [7 CFR 3555.151(c)]"
  description: 'Applicants must agree to personally occupy the dwelling as a

    principal residence throughout the term of the loan. Bona

    fide occupancy in the home as the applicants'' principal

    residence within 60 days after signing the security

    instruments is required.

    '
  type: do
  audit_question: "For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence (i) the applicants' agreement to occupy the dwelling as their principal residence throughout the term, and (ii) bona fide occupancy within 60 days after signing the security instruments (subject to the active-duty military exception in §8.2.C)?"
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch08
  - occupancy
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 8.2.C — Occupying the Property"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter08.pdf
    snapshot_id: e5cee495ac15a031
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:0f1613fba4b80bfdba136697d3c1ef899957c5efee206ac2b323ed5ba7a96bae
    paragraph_quote: Applicants must agree to personally occupy the dwelling as a principal residence
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot e5cee495ac15a031 (Ch 08) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:45:38+00:00'
  promoted_from: usda-hb-3555-ch08-roundb-v1.yaml
  program_review: Does the program account for the occupancy requirement and its active-duty-military exception — applicant agreement to occupy as principal residence throughout the term and bona fide occupancy within 60 days of signing the security instruments?
  file_review: Pull a sample; confirm the occupancy agreement and the 60-day occupancy basis (or the documented active-duty exception).
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T13:45:38+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch08-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
