FHA Handbook 4000.1 — Full Verbatim Text
The FHA Single Family Housing Policy Handbook 4000.1 — free, verbatim, and searchable. HUD publishes it as one ~1,000-page PDF; here it is broken into 566 individual sections across Parts I–V, each the regulator’s exact text, always current, with clean section-scoped PDF and spreadsheet downloads.
Looking for a specific requirement — credit, assets, property condition, appraisal, servicing, loss mitigation, claims? Jump to the section below. Every page is the verbatim handbook text, not a summary.
Part I — Doing Business with FHA 89
- FHA Single Family Housing Policy Handbook 4000.1, Part I — 7. Title I Property Improvement Dealers (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — 8. Title I Manufactured Home Dealers (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — 9. Voluntary Withdrawal of FHA Mortgagee Approval (03/27/2019)
- HUD Handbook 4000.1 — Doing Business with FHA — Supervised Mortgagee approval requirements
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Definition (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Definitions (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — A. FHA Lenders and Mortgagees (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. General Requirements (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Operating Requirements and Restrictions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Program Overview (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Registration (03/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Requirements (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Requirements for All Post-approval Changes (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Standard (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Supervised Mortgagee (03/14/2016) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title I and Title II Program Applications (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — a. Title II Direct Endorsement Authority (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. 203(k) Consultant Roster (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Application and Approval Process (07/14/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Application and Approval Process (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Direct Endorsement Underwriter Eligibility (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Information Updates (01/29/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Nonsupervised Mortgagee (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Online Application (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Online Certification (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Providing Information to FHA (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Required Documentation (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Requirements (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Single Family Lending Area (03/19/2024) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Standard (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Standard (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Title II (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — b. Title II Single Family Lender Insurance Authority (01/24/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Annual Recertification Fee (03/27/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Application and Approval Process (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Application and Registration Process (09/09/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Change in Corporate Officer (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Eligibility Requirements (05/16/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Government Mortgagee (06/20/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Managers (03/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Mortgagee's Approval Process (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Post-appraisal Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Post-approval Requirements (07/14/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Reapplication (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — c. Title I Programs (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Annual Recertification (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Change in Partnership or Principal Owners (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Financial Data Submission (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Investing Mortgagee (06/20/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Net Branching Prohibition (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Post-approval Requirements (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Processing of Applications (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Renewal (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Servicing of FHA-Insured Title II Mortgages and Title I Loans (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — d. Title II Multifamily Accelerated Processing Authority (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — e. Application Approval (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — e. "Doing Business As" Names (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — e. Post-approval Requirements (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — e. Rejection of a Mortgagee's Recertification Package (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Application Denial (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts of Interest (12/15/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Recertification Extension Requests (03/27/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Relocation to a Different State (03/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — g. Failure to Recertify (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — g. Liquid Assets or Net Worth Deficiency (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — g. Payment of Operating Expenses (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — h. Operating Loss (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — h. Prohibited Payments (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — i. Fidelity Bond (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — i. Staffing (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — j. Errors and Omissions Insurance (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — j. Use of Contractors (09/26/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — k. Affiliates (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — k. Principal Activity Change of Nonsupervised Mortgagee (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — l. Branch Office Requirements (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — l. Servicing (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — m. Fair Housing Notice (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — m. Fiscal Year End Date (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — n. Advertising (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — n. Supervision Change (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — o. Business Form (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — p. Bankruptcy (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — q. Lending License(s) (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — r. Mergers, Acquisitions, and Reorganizations (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — s. Conservatorship, Receivership, or Transfer of Control (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — t. Business Name Change (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — u. Unresolved Findings or Sanctions (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part I — v. Program Approvals (09/20/2021)
Part II — Origination Through Post-Closing/Endorsement 191
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 1. Appraiser Qualifications (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 1. Definitions (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 2. Appraiser Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 2. General Appraiser Requirements (03/19/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 3. Acceptable Reporting Forms and Protocols (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 3. Commencement of the Appraisal (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 4. Analysis and Reporting Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Appraisal Exhibits and Photos (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Programs and Products - 203(k) Rehabilitation Mortgage Insurance Program (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Programs and Products - Condominiums (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Programs and Products - Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — 9. Update of Appraisal (09/14/2015)
- HUD Handbook 4000.1 II.A.1.a — Applications and Disclosures
- HUD Handbook 4000.1 Part II.A.1.b — Title Commitment + Appraisal Ordering
- HUD Handbook 4000.1 II.A.1.b — General Mortgage Insurance Eligibility
- HUD Handbook 4000.1 II.A.2 — Allowable Mortgage Parameters
- HUD Handbook 4000.1 II.A.3 — Underwriting the Property
- HUD Handbook 4000.1 Part II.A.4 — Underwriting the Borrower Using the TOTAL Mortgage Scorecard
- HUD Handbook 4000.1 Part II.A.5 — Manual Underwriting of the Borrower
- HUD Handbook 4000.1 Part II.A.6 — Closing (Forward Mortgages)
- HUD Handbook 4000.1 Part II.A.7 — Post-closing and Endorsement (Forward Mortgages)
- HUD Handbook 4000.1 Part II.A.8.a — Section 203(k) Rehabilitation Mortgage Insurance Program
- HUD Handbook 4000.1 Part II.A.8.d — Refinances (Forward Mortgages)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. 203(k) Rehabilitation Mortgage Insurance Program (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Applications and Disclosures (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Applications and Disclosures (03/19/2025)
- HUD Handbook 4000.1 II.A.1.b — Borrower Eligibility (FHA Title II Forward Mortgages)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Classifications and Ineligible Characteristics (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Condominium Project Approval (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Credit Requirements (Manual) (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Definition (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Definition (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Definition (09/09/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Definitions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Direct Loan (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Direct Loans (09/26/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. HECM For Purchase (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Information Required before Commencement of Appraisal (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Maximum Mortgage Amounts (01/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Maximum Mortgage Amounts (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Mortgagee Closing Requirements (01/24/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Mortgagee Closing Requirements (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Origination/Processing (05/25/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Origination/Processing (05/25/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Overview (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Photograph, Exhibits, and Map Requirements (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Pre-endorsement Review (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Pre-endorsement Review (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Property Acceptability Criteria (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Property Acceptability Criteria (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Required Referral for HECM Counseling (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Section 248 Indian Land Program (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Standard (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Underwriting with an Automated Underwriting System (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Allowable Loan Parameters (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Allowable Loan Parameters (03/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Certification (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Consultant Duties (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Credit History Review Requirements (04/29/2024) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Credit Requirements (TOTAL) (04/10/2025) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Dealer Loan (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Dealer Loan (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Disasters and 203(h) Mortgage Insurance for Disaster Victims (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. General HECM Insurance Eligibility (05/25/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. General Mortgage Insurance Eligibility (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. HECM Refinance (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. HUD Review and Approval Process (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Income Requirements (Manual) (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Intended Use and Intended Users of Appraisal (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Loan-to-Value Limits (02/16/2021) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Maximum Claim Amount (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Minimum Property Requirements and Minimum Property Standards (08/19/2024) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgage and Note (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgage and Note (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgagee Pre-endorsement Review Requirements (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Mortgagee Pre-endorsement Review Requirements (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Phasing (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Required Analysis (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Required Analysis and Reporting (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Required Analysis and Reporting (09/09/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Required Documentation for Underwriting the Property (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Required Documentation for Underwriting the Property (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Restrictions on Processing of Applications Before Completion of HECM Counseling (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Section 247 Hawaiian Home Lands Program (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Standard (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Standard (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Adaptation of Loan Documents (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Asset Requirements (Manual) (08/19/2024) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Condominiums (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Consultant Fee Schedule (11/04/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Development of the Market Value (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Direct Endorsement Lender Review and Approval Process (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Disbursement of Mortgage Proceeds (01/24/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Energy Efficient Mortgages (04/29/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Foundation Systems (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. General Condominium Project Approval Requirements (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Gross Living Area (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Income Requirements (TOTAL) (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Individuals Required to Receive HECM Counseling (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Interest Rate Options (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Property Charge Payment History Review Requirements (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Property Eligibility (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Property Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Required Analysis and Reporting (01/24/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Required Analysis and Reporting (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Required Investment (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Site Condominium (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — c. Standard 203(k) and Limited 203(k) Rehabilitation Mortgages (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Appliances (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Asset Requirements (TOTAL) (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Certificate of HECM Counseling (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Construction Types (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Disbursement of HECM Proceeds (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Final Underwriting Decision (Manual) (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Improvements Standards (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Manufactured Housing Condominium Projects (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Maximum Mortgage Term (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Monthly Expense Analysis (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Principal Limit (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Procedures for Endorsement (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Procedures for Endorsement (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Reconsideration of Rejected or Withdrawn Condominium Projects (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Refinances (05/25/2025) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Reporting Prior Sales (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Running Gear (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Special Energy-Related Building Components (01/06/2018)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Underwriting the Borrower (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Underwriting the Borrower (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Closing and Disbursement (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Consultant 35 Point Checklist (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Counseling Prohibited Practices (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Effective Income Analysis (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement and Post-endorsement (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Endorsement and Post-endorsement (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Final Underwriting Decision (TOTAL) (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. HUD Real Estate Owned Properties (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Mortgage Insurance Premiums (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Payment Plan (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Perimeter Enclosure (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Pre-Closing Reviews by HUD (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Remote Observation (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Swimming Pools (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Two- to Four-Unit Condominium Project (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Architectural Exhibit Review (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Closing (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. HECM Calculator Software (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. HUD Certification Label (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Manufactured Home Condominium Projects (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Post-closing and Insurance (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Residual Income Analysis (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Section 251 Adjustable Rate Mortgages (05/02/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — f. Utilities - Mechanical Components (02/16/2021) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Asset Requirements (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Data Plate (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Disbursement Limits (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Post-closing and Endorsement (05/08/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Preparing the Work Write-Up and Cost Estimate (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Programs and Products - Refinance (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Roof Covering (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Section 248 Mortgages on Indian Land (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — h. Feasibility Study (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — h. Flood Zone (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — h. Programs and Products (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — h. Required Documentation (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — h. Section 247 Single Family Mortgage Insurance on Hawaiian Home Lands (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — h. Structural Conditions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — i. Additions to Manufactured Housing (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — i. Defective Paint (04/10/2025) PDF
- FHA Single Family Housing Policy Handbook 4000.1, Part II — i. Draw Request Inspection (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — i. Final HECM Decision (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — i. Mortgage Insurance Premiums (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — i. New Construction (06/27/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic Observation Requirements (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Change Order (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Construction to Permanent (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Measurement Protocols (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Additional Required Documentation (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Building on Own Land (06/17/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Foundation (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — k. Sales Comparison Approach for Manufactured Housing (11/02/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Crawl Space Observation Requirements (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Estimate of Cost for New Construction for Manufactured Housing (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Weatherization (08/02/2018)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — m. Environmental and Safety Hazards (01/24/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — m. Solar and Wind Technologies (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — n. Assumptions (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — n. Repair Requirements (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — o. HUD Real Estate Owned Purchasing (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — o. Utility Services (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — p. Condominiums (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part II — p. Onsite Sewage Disposal Systems (09/14/2015)
Part III — Servicing and Loss Mitigation 107
- FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products - COVID-19 HECM Property Charge Repayment Plan (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products - Homeownership and Opportunity for People Everywhere for Homeowners (09/26/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products - Mortgagee Optional Election Assignment (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products - Presidentially-Declared Major Disaster Areas (04/29/2024)
- HUD Handbook 4000.1 Part III.A.1 — Servicing of FHA-Insured Mortgages (Forward)
- HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions
- HUD Handbook 4000.1 III.A.1.c — Providing Information to HUD and HUD-Approved Counseling Agencies
- HUD Handbook 4000.1 III.A.1.d — Communication with Borrowers and Authorized Third Parties
- HUD Handbook 4000.1 Part III.A.2 — Default Servicing (Forward Mortgages)
- HUD Handbook 4000.1 III.A.2.a — Mortgages in Delinquency or Default
- HUD Handbook 4000.1 III.A.2.b — Reporting to Consumer Reporting Agencies and the IRS
- HUD Handbook 4000.1 III.A.2.c — Late Charges
- HUD Handbook 4000.1 III.A.2.d — Partial Payments for Mortgages in Default
- HUD Handbook 4000.1 III.A.2.e — Lien Status
- HUD Handbook 4000.1 III.A.2.h — Loss Mitigation Program
- HUD Handbook 4000.1 III.A.2.i — Loss Mitigation Home Retention Options
- HUD Handbook 4000.1 III.A.2.j — Home Disposition Options
- HUD Handbook 4000.1 III.A.2.k — Loss Mitigation Incentives and Title Reimbursement
- HUD Handbook 4000.1 III.A.2.l — Presidentially-Declared Major Disaster Areas
- HUD Handbook 4000.1 Part III.A.2 — Loss Mitigation (Forward Mortgages)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Adjustable Rate Mortgages (06/30/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Mortgages in Delinquency or Default (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Presidentially-Declared Major Disaster Areas (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing in Compliance with Law (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing in Compliance with Law (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing in Compliance with Law (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing Roles and Responsibilities (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Single Family Default Monitoring System Default Reporting (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Use of Counseling Agencies (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Assumptions (12/30/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Due and Payable Servicing (03/25/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. General Loan Servicing Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Loan Servicing Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Mortgagee Optional Election Assignment (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Non-Incentivized Loan Modification Reporting (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Reporting to Consumer Reporting Agencies and the IRS (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Responsibility for Servicing Actions (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — b. Responsibility for Servicing Actions (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Assumptions (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Assumptions (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. COVID-19 HECM Property Charge Repayment Plan (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Defaults for Unpaid Property Charges (11/30/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Hawaiian Home Lands Mortgages (Section 247 Mortgages) (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Late Charges (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Providing Information to HUD (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — c. Providing Information to HUD and HUD-Approved Counseling Agencies (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Initiation of Foreclosure and Reasonable Diligence Time Frames (03/25/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Modification of a Current Loan (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Modification of a Current Loan (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Partial Payments for Mortgages in Default (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Borrower Disbursements (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Lien Status (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Loan Default and Loss Mitigation (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Loan Default and Loss Mitigation (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Payment Administration (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Sale of Property Acquired through Foreclosure or DIL (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — e. Section 222 Mortgages (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Claims (09/28/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Good Neighbor Next Door (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Imminent Default (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Payment Administration (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Release or Substitution of Security (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Servicing Fees and Charges (07/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Servicing of Manufactured Home Lot Loans and Combination Loans (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — g. Early Default Intervention (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — g. Escrow (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — g. Homeownership and Opportunity for People Everywhere for Homeowners (09/26/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — g. Servicing Fees and Charges (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — h. Insurance Coverage Administration (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — h. Interest Rate Changes for Adjustable Rate HECMs (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — h. Loss Mitigation Program (12/30/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — h. Nehemiah Housing Opportunity Grants Program (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — i. Loss Mitigation Home Retention Options (12/30/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — i. Mortgage Insurance Premium Remittance (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — i. Servicing FHA-Insured Mortgages for Servicemember-Borrowers (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — i. Set-Asides (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — j. Allowable Fees and Charges (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — j. Home Disposition Options (12/30/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — j. Post-endorsement Mortgage Amendments (12/30/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — k. Loss Mitigation Incentives and Title Reimbursement (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — k. Mortgage Insurance Premium Cancellation (09/26/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — k. Prepayment (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — l. Completion of Required Repairs (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — l. Mortgage Insurance Termination (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — l. Presidentially-Declared Major Disaster Areas (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — m. Disclosures (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — m. Insurance Coverage Administration (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — m. Non-Monetary Default (12/21/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — n. Mortgage Insurance Premium Remittance (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — n. Record Retention - Servicing File (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — o. Post-Endorsement HECM Amendments (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — o. Reinstatement (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — p. Foreclosure (12/30/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — p. Occupancy Certification (11/30/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — q. Acquiring Possession (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — q. Property Maintenance (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — r. Conveyance of Acquired Properties (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — r. Optional Assignment (11/30/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — s. Demand Assignment (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — s. Non-conveyance Foreclosure (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — t. Deficiency Judgments (03/31/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — t. Repurchase of Previously Assigned HECM (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — u. Mortgage Insurance Termination (04/29/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part III — v. Record Retention - Servicing File (04/29/2024)
Part IV — Claims and Disposition 103
- HUD Handbook 4000.1 IV.A.1 — Claim Submission Process
- HUD Handbook 4000.1 IV.A.2 — Claim Types
- HUD Handbook 4000.1 IV.A.3 — Payment of Claims
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Claim Filing Deadline (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Definition (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Demand Letter (01/02/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. HUD Contractors (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Lender Option to Proceed Against the Security (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Pre-claim Requirements (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Preparation and Submission of Claims (03/01/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Proceeding against the Loan Security (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Processing of Claim Forms (01/02/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Property and Sales Condition (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Withdrawal of Application for Insurance Benefits (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Abandonment (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim Documentation (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim Status (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Claim Type 02 - Assignment or Single Family Loan Sale Program (07/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Foreclosure by Other Lien Holder (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. List Price (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Maximum Claim Filing Deadline (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Method of Payment (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Nondiscrimination Policy (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Notice of Intent to Collect Administrative Offset (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Refund of Claim Payment (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Standard (04/18/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Calculation of Insurance Claim Payment (12/21/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Cancellation of Insurance Benefits due to Reconveyance (03/01/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Claim File (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Claim Type 05 - Supplemental Claims/Remittances (03/01/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Condition Report (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Disbursement of Claim (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Enforceable Note (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Form HUD-637, Title I Claim for Loss (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Initiation of Offset Action (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Marketing Tools (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. P260 Portal (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — c. Selection of Claims for Review (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Appraisal (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Claim Documentation (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Claim Filing Supplies (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Frequency of Reviews (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Negative Claim Amount (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — d. Prospective Buyers (01/02/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Advice of Payment and Title Approval (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Appraiser Qualifications (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Calculation of Insurance Claim Payment (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Claim Type 07 - Pre-Foreclosure Sales (09/26/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Lead-Based Paint (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Method and Notification of Payment (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — e. Notification to Mortgagee of Claim Review (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — f. Claim Type 31 - Special Forbearance (06/15/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — f. Damage to Manufactured Home While in Possession of the Lender (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — f. HUD's Initial Report (08/19/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — f. Loan Balance as of Default Date (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — f. Sales Timeline (04/28/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — f. Supplemental Claim (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — g. Bid Submission (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — g. Claim Type 32 ** - FHA-HAMP Loan Modification (06/15/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — g. Interim Interest (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — g. Mortgagee Response Procedures to HUD's Initial Report (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — g. Salvage (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — g. Terminating Title I Premium Billing (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Abbreviated Claim (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Bid Acceptance During Competitive Sales Periods (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Claim Type 32 ** - Loan Modification (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Findings Based on Mortgagee Response (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession and Preservation Cost (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — h. Repossession and Preservation Expenses (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — i. Acquisition by Voluntary Conveyance or Surrender (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — i. Claim Type 32 - Disaster Loan Modification (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — i. Denial of Insurance Claims (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — i. Mortgagee Response Procedures to HUD's Follow-Up Report (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — i. Sales Commission (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — i. Selection of Winning Bid (01/02/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — j. Cash for Keys (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — j. Claim Type 33 ** - FHA-HAMP Partial Claim (06/15/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — j. Inspection Contingency (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — j. Referral for Collections (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — j. Resubmitted Claims (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Appeals (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Claim Type 33 ** - Partial Claim (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Closing (11/07/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Credit due to Borrower (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Referral for Enforcement Review (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Sale of the Repossessed Home (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — l. Claim Type 33 - Disaster Partial Claim (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — l. Claims Submission (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — l. Rescinding or Repurchasing a Claim (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — m. Claim Type 33 - Standalone Partial Claim during Payment Supplement Period (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — m. Lender Responsibilities Pending Insurance Claim Payment (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — m. Updating the Insurance Claim (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — n. Claim Type 33 - National Emergency Standalone Partial Claim (01/30/2023)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — n. Method and Notification of Payment (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — o. Supplemental Claim (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — p. Claim Type 33 - Payment Supplement (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — p. Terminating Title I Premium Billing (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — q. Abbreviated Claim (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — q. Claim Type 33 - Disaster Payment Supplement (10/01/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — r. Denial of Insurance Claims (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — s. Resubmitted Claims (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — t. Appeals (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part IV — u. Rescinding or Repurchasing a Claim (05/09/2022)
Part V — Quality Control, Oversight, and Compliance 49
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 1. Appraisers (03/27/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 1. Cooperation with HUD Investigations and Reviews (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 1. Direct Endorsement Underwriter (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 1. Referrals for Noncompliance (03/27/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 2. 203(k) Consultants (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 2. Employee Improprieties Attributed to the Mortgagee (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 3. Real Estate Brokers (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 4. Real Estate Brokers (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 5. Closing Agents (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 5. Title I Dealers - Property Improvement Loans (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — 6. Title I Dealers - Manufactured Home Loans (05/09/2022)
- HUD Handbook 4000.1 V.A — Quality Control of Lenders and Mortgagees
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Actions and Sanctions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Actions and Sanctions Against Mortgagees (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Limited Denial of Participation (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Loan File Selection (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Monitoring of Governmental Entities and HUD-Approved Nonprofits (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Purpose of Quality Control Program (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Quality Control Plan Overview (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Standard (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Title I Lender Monitoring Reviews (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Title I Loan Reviews (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — a. Who May Perform Quality Control (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Definitions (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Loan Level Actions and Sanctions (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Loan Sample Risk Assessment (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Monitoring of HUD Homes Participants (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Operational Compliance (12/02/2024)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Procedures (11/18/2020)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Quality Control Plan Findings and Corrective Action (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Required Documentation (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Suspension (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Title II Loan Reviews (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Title II Mortgagee Monitoring Reviews (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Debarment (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Fraud, Misrepresentation, and Other Findings (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Identifying Patterns (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Monitoring FHA Mortgagor Participants (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Origination and Underwriting Case Binder Compliance Review (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Servicer Tier Ranking System II (02/16/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Standard (09/30/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — d. Civil Money Penalties (09/14/2015)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — d. DELRAP Mortgagee Monitoring Reviews (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — d. Fraud, Misrepresentation, and Other Findings (04/10/2025)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — d. Monitoring of Secondary Financing Program Participants (03/14/2016)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — d. Quality Control Reviews of Specialized Mortgage Programs (10/15/2019)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — d. Required Documentation (09/20/2021)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — e. Servicing Loan File Compliance Review (05/09/2022)
- FHA Single Family Housing Policy Handbook 4000.1, Part V — f. Ineligible Participants (05/09/2022)
Other 27
- HUD Handbook 4000.1 — Best Price Obtainable (05/09/2022)
- HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
- HUD Handbook 4000.1 — Employee Compensation (03/14/2016)
- HUD Handbook 4000.1 — Programs and Products - Adjustable Rate Mortgages (06/30/2023)
- HUD Handbook 4000.1 — Programs and Products - Assumptions (08/19/2024)
- HUD Handbook 4000.1 — Programs and Products - Building on Own Land (06/17/2019)
- HUD Handbook 4000.1 — Programs and Products - Construction to Permanent (09/20/2021)
- HUD Handbook 4000.1 — Programs and Products - Disasters and 203(h) Mortgage Insurance for Disaster Victims (09/14/2015)
- HUD Handbook 4000.1 — Programs and Products - Energy Efficient Mortgages (04/29/2019)
- HUD Handbook 4000.1 — Programs and Products - Good Neighbor Next Door (03/31/2022)
- HUD Handbook 4000.1 — Programs and Products - Hawaiian Home Lands Mortgages (Section 247 Mortgages) (10/01/2025)
- HUD Handbook 4000.1 — Programs and Products - HECM For Purchase (04/10/2025)
- HUD Handbook 4000.1 — Programs and Products - HECM Refinance (04/29/2024)
- HUD Handbook 4000.1 — Programs and Products - HUD Real Estate Owned Purchasing (09/20/2021)
- HUD Handbook 4000.1 — Programs and Products - Insured Mortgages on Indian Land (Section 248 Mortgages) (01/01/2025)
- HUD Handbook 4000.1 — Programs and Products - Nehemiah Housing Opportunity Grants Program (03/31/2022)
- HUD Handbook 4000.1 — Programs and Products - New Construction (06/27/2025)
- HUD Handbook 4000.1 — Programs and Products - Refinances (05/25/2025)
- HUD Handbook 4000.1 — Programs and Products - Section 222 Mortgages (03/31/2022)
- HUD Handbook 4000.1 — Programs and Products - Section 235 Mortgages (03/31/2022)
- HUD Handbook 4000.1 — Programs and Products - Section 248 Mortgages on Indian Land (09/14/2015)
- HUD Handbook 4000.1 — Programs and Products - Section 251 Adjustable Rate Mortgages (05/02/2023)
- HUD Handbook 4000.1 — Programs and Products - Servicing FHA-Insured Mortgages for Servicemember-Borrowers (03/31/2022)
- HUD Handbook 4000.1 — Programs and Products - Solar and Wind Technologies (08/19/2024)
- HUD Handbook 4000.1 — Programs and Products - Weatherization (08/02/2018)
- HUD Handbook 4000.1 — Section 235 Mortgages (03/31/2022)
- HUD Handbook 4000.1 — Specific Program Participants (09/30/2016)
566 sections in total.
Operationalizing Handbook 4000.1
This is the regulator’s own words, source-verified — the grounding you need to check your policies and procedures against FHA requirements, operationalize a change, and produce audit-ready evidence, all without invented text. See how the corpus is built and verified and the regulatory update kits. Free to read and download · compiled by Claude for Compliance.