HUD Handbook 4000.1 III.A.2.h

hud-4000-1-iii-a-2-h

HUD effective date: 12/30/2025 · section III.A.2 · Handbook 4000.1 · revision effective 11/10/2026

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.h. See obligation entries for operative requirements and verbatim primary-source citations.

This register: .xlsx .csv

Verbatim regulatory text (3)

Verbatim provisions from HUD Handbook 4000.1 III.A.2.h — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

HUD Handbook 4000.1 III.A.2.h.iii(A) — Eligibility to Participate in HUD Programs

The Mortgagee must verify that the Borrowers are eligible to participate in HUD’s Loss Mitigation Program.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

HUD Handbook 4000.1 III.A.2.h.iii(B) — 90-Day Review

A Mortgagee is required to complete an evaluation of a Defaulted Mortgage for appropriate Loss Mitigation Options before four monthly installments are due and unpaid and send a written Notice to Borrower with the determination of eligibility.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

HUD Handbook 4000.1 III.A.2.h.iv(B) — Evaluation of Borrower for Loss Mitigation Assistance, Standard

The Mortgagee must not condition the use of a Loss Mitigation Option on the receipt of a Borrower’s cash contribution or a Borrower’s payment of fees or charges.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

Get this regulation in your AI window

Retired 4000.1 text reads exactly like current text. Ask an assistant an FHA question and it will often answer from an old edition, confidently, without telling you which one.Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Next step: the FHA underwriting QC playbook. Run it in your AI window →

Get notified if this rule changes

One email when HUD Handbook 4000.1 III.A.2.h changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-a-2-h/ · register hud-4000-1-iii-a-2-h · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.