FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 1. Servicing of FHA-Insured Mortgages — m. Disclosures

hud-4000-1-iii-m-disclosures

HUD effective date: 03/31/2022 · section III.A.1 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part III — m. Disclosures (03/31/2022).

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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > A. Title II Insured Housing Programs Forward Mortgages > 1. Servicing of FHA-Insured Mortgages — m. Disclosures — 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.

FHA Single Family Housing Policy Handbook 4000.1, Part III — m. Disclosures (03/31/2022)

Effective 2022-03-31 · publisher's stamp for this provision

m. Disclosures (03/31/2022) i. Statement of Escrow Account At the Borrower’s request, the Mortgagee must promptly furnish a statement of the escrow account in a clear and understandable form, with sufficient information to permit the Borrower to reconcile the account. ii. Payoff Disclosure (A) Definition A Payoff Disclosure is a disclosure accompanying the payoff statement. For Mortgages closed before January 21, 2015, Mortgagees must include a description of the procedures for prepayment of a Mortgage with the payoff statement. (B) Standard When notified of the Borrower’s intent to prepay a Mortgage, the Mortgagee must send to the Borrower directly the Payoff Disclosure and copy of the payoff statement. (C) Required Documentation The Mortgagee must retain a copy of the Payoff Disclosure in the Servicing File. iii. Annual Prepayment Disclosure Statements (A) Definition An Annual Prepayment Disclosure Statement is a statement of the amount outstanding on the Mortgage and, for Mortgages closed before January 21, 2015, the requirements that the Borrower must fulfill upon prepayment to prevent accrual of interest after the date of prepayment. (B) Standard The Mortgagee must send the Borrower a written Annual Prepayment Disclosure Statement on an annual basis. (C) Required Documentation The Mortgagee must retain a copy of the Annual Prepayment Disclosure Statement in the Servicing File. iv. Statement for Income Tax Purposes (A) Definition The Statement for Income Tax Purposes is an Internal Revenue Service (IRS) Form 1098, Mortgage Interest Statement, or equivalent that provides documentation of taxes and interest paid by the Borrower during the preceding calendar year. (B) Standard The Mortgagee must provide the Borrower with a Statement for Income Tax Purposes by January 30 of each year. (C) Required Documentation The Mortgagee must retain a copy of each annual Statement for Income Tax Purposes in the Servicing File.

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

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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-m-disclosures/ · register hud-4000-1-iii-m-disclosures · 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.