FHA DISCLOSURE MATRIX - Compliance

FHA DISCLOSURE MATRIX

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Last Updated: May 2019

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FHA

(Package Type)

Initial Disclosure

Proper Name of Disclosure

FHA Amendatory Clause/Real Estate

Certification

Generic Cx Number

Cx38

Initial Disclosure

Informed Consumer Choice Disclosure Notice

Cx41

Initial Disclosure

Notice to Homeowner ? Assumption of FHA Insured Mortgages

Cx1566

Initial Disclosure

Verification of VA Benefits

Cx3952

Initial Disclosure

Request for Certificate of Veteran Status

Cx3953

Loan Program Type

Timing

Legal Reference

Specific Language Required

Purchase transaction

All loans Assumptions

All loans

All loans involving a veteran

Before closing

No later than 3 business days after the mortgagee receives the

loan application Before settlement

Not specified, but practically at or before

the underwriting process

Not specified, but practically at the time

of determining eligibility

24 C.F.R. ? 203.15 (West 2015); FHA Single Family Handbook 4000.1 Pt. II, ch. A.1.a.i.(E)(1)(a) & A.7.d.ii.(C)

24 C.F.R. ? 203.10 (West 2015); FHA Single Family Handbook 4000.1 Pt. II, ch. A.1.a.ii.(A).(1) 24 C.F.R. ? 203.258 (West 2015); FHA Single Family

Handbook 4000.1 Pt. III, A.3.a.vi & A.3.b.ii

24 C.F.R. ? 203.33 (West 2015);

FHA Single Family Handbook 4000.1 Pt. II,

A.4.c.xii.(A).(2).(b) & A.5.b.xii.(A).(2).(b) 24 C.F.R. ? 203.18(b)(3) (West 2015); FHA ML

2004-24

Partial Handbook

Informed Consumer Choice

Notice to Homeowner: Release of Personal Liability for Assumptions VA Form 26-8937

VA Form 26-8261a

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FHA

(Package Type)

Initial Disclosure

Proper Name of Disclosure

Generic Cx Number

New Construction Subterranean Termite Soil Treatment Record ? HUD-NPMA-99-B

Cx3969

Loan Program Type New Construction

Initial Disclosure

Subterranean Termite Soil Treatment

Builder's Guarantee ? HUD-NPMA-99A

Cx3970

New Construction

Initial Disclosure

Builders Certification ? HUD-92541

Cx3971

New Construction

Initial Disclosure Initial Disclosure

Borrower Notification

Social Security Number Verification

Cx 9348 (upon request)

Cx5579 (upon request)

New Construction All loans

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Timing

Legal Reference

Specific Language Required

Not specified

Not specified

Not specified, but practically when the

case binder is submitted for endorsement

With the Builders Certification

Not specified, but practically before

processing

24 C.F.R. ? 200.926d(b)(3) (West

2015); FHA Single Family Handbook 4000.1 Pt. II, A.7.d.ii.(C) and A.8.i.iii &

iv 24 C.F.R. ? 200.926d(b)(3) (West

2015); FHA Single Family Handbook 4000.1 Pt. II, A.7.d.ii.(C) and A.8.i.iii &

iv 24 C.F.R. ? 203.12(b)(2)

(West 2015); FHA Single Family Handbook 4000.1 Pt. II, A.5.d.ix.(A).(2).(b), A.7.d.ii.(C), A.8.i.iii ? v,

B.1.b, & B.3.c.v HUD 4145.1 ch. 6-

3(C)(1) & (2) 24 C.F.R. ? 203.35 (West

2015); FHA Single Family Handbook 4000.1 Pt. II,

A.1.a.i.(C).(1).(a)

HUD-NPMA-99-B HUD-NPMA-99-A

HUD-92541 No

Form SSA-89 Page 3

FHA

(Package Type) Initial Disclosure Initial Disclosure Initial Disclosure

Initial Disclosure

Initial Disclosure Initial Disclosure Initial Disclosure

Proper Name of Disclosure

Generic Cx Number

Loan Program Type

Timing

Legal Reference

Specific Language Required

Mortgagor's Certificate

Cx6592 (upon request)

FHA Identity of

Cx14285 (upon

Interest Certification

request)

Request for Acceptance of Changes in Approved Drawings and Specifications Consultant's Identity-

of-Interest Certification

Cx14872 (upon request)

Cx15426 (upon request)

FHA Lock-in Agreement

Cx19817

FHA Non-Purchasing Spouse (NPE) Authorization Hold-Harmless Agreement

Cx19872 Upon Request

Section 234(d) loans (condominiums) Purchase loans

Section 203(k) loans

At closing

Not specified

When changes to the construction work order

are proposed

FHA Single Family Handbook 4580.1 CHG-

4:5-3 FHA Single Family Handbook 4000.1 Pt. II,

A.2.b.ii FHA Single Family Handbook 4000.1 Pt. II, A.8.a.xviii.(B).(2), A.9.j, &

A.9.k.iv

Section 203(k) loans

All loans All loans All purchase loans involving HUD-owned property

After preparing/reviewing the Work Write-Up and

Cost Estimate

Before charging lock-in and rate lock fees

Not specified, but practically before the processing of the loan

Not specified

FHA Single Family Handbook 4000.1 Pt. II,

A.7.d.ii.(C), A.8.a.xiv.(A).(1).(a), &

A.9.k.i FHA Single Family Handbook 4000.1 Pt. II,

A.6.a.x.(B).(3) FHA Single Family Handbook 4000.1, Pt. II,

A.1.a.i.(C).(1).(a) 24 C.F.R. ? 203.673(c)

(West 2015); FHA Single Family Handbook 4310.5 REV2, ch. 2, Sec. VIII:2-30

FHA-3212-A No

HUD-92577

Handbook

No No HUD-9538

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FHA

(Package Type) Initial Disclosure

Allow Any

Proper Name of Disclosure

Generic Cx Number

HUD Employee/Relative

Home Purchase Certification HUD-

50001 FHA Loan Underwriting and Transmittal Summary

Upon Request Cx13513

Initial Disclosure and Closing

Certification and Authorization

Cx13

Initial Disclosure and Closing

Important Notice to Homebuyers

Cx40

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Loan Program Type All purchase loans All loans

All loans All loans

Timing

Legal Reference

Prior to bidding on a HUD-owned single

family home

FHA Single Family Notices H 2011-19

Specific Language Required

HUD-50001

During the underwriting process

Not specified, but practically before the processing of the loan

At application

FHA Single Family Handbook 4000.1 Pt. II, A.1.b.ii.(B), A.4.a.iv.(B),

A.4.d.iii.(G).(3), A.4.e.i.(A),

A.5.c.iii.(G).(3), A.5.d.x.(B).(1), A.7.b.ii,

A.7.b.iii, A.7.b.xi, A.7.d.ii.(C),

A.8.a.xv.(A).(2), A.8.a.xvi, A.8.c.iv.(D), A.8.c.vii, &

A.1.n.ii 12 U.S.C.A. ? 2609(b) (West 2015); FHA Single

Family Handbook 4000.1 Pt. II,

A.1.a.i.(C).(1) & (D) and A.7.d.ii.(C)

24 C.F.R. ? 203.9 (West 2015); FHA Single Family Handbook 4000.1 Pt. II, A.1.a.ii.(A).(2)

HUD-92900-LT

No HUD-92900-B

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FHA

(Package Type)

Proper Name of Disclosure

Generic Cx Number

Initial Disclosure and Closing

Warranty of Completion of Construction ? HUD-

92544

Cx47

Initial Disclosure and Closing

203(k) ? Borrowers Identity of Interest

Certification

Cx2072 (upon request)

Initial Disclosure & Pre-Disclosure

For Your Protection Get a Home Inspection

Cx2283

Initial Disclosure and Closing

4506-T (Copy of Tax Form)

Cx3095

Loan Program Type New Construction

Section 203(k) Loans All purchase loans

All loans

Timing

Legal Reference

Specific Language Required

Not specified, but practically before submission of the case

binder Not specified, but practically before

underwriting At first contact

At the time the final URLA is executed

24 C.F.R. ? 203.14 (West 2015);

FHA Single Family Handbook 4000.1 Pt. II,

A.7.d.ii.(C) & A.8.i.iii FHA Single Family Handbook 4000.1 Pt. II,

A.7.d.ii.(C) & A.8.a.xiv.(A).(1) 24 C.F.R. ? 35.88(a)(1) (West 2015); FHA Single Family Handbook 4000.1 Pt. II, A.1.a.ii.(A).(4), A.8.a.xiv.(B).(3), &

A.9.k.ii 24 C.F.R. ? 203.33 (West

2015); FHA Single Family Handbook 4000.1 Pt. II,

A.1.a.i.(C).(3), A.4.c.ii.(C).(3),

A.4.c.ix.(C), A.4.c.x.(C).(1), A.5.b.ii.(C).(3), A.5.b.ix.(C), & A.5.b.x.(C).(1)

HUD-92544 Handbook HUD-92564-CN

Official Form

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FHA

(Package Type) Initial Disclosure &

Closing

Initial Disclosure, Processing,

Underwriting, & Closing

Initial Disclosure, Processing,

Underwriting, and Closing

Proper Name of Disclosure

203(k) Borrower's Acknowledgment

Generic Cx Number

Cx3406 (upon request)

HUD FHA/VA Addendum

Cx3981

1003 Uniform Residential Loan

Application

Cx4193 (upon request)

Loan Program Type

Timing

Legal Reference

Specific Language Required

Section 203(k) loans All loans

All loans

At application Before underwriting the mortgage application

Before origination

FHA Single Family Handbook 4000.1 Pt. II,

A.7.d.ii.(C), A.8.a.iv, & A.8.a.xiv.(A).(4)

24 C.F.R. Pt. 203 (West 2015);

FHA Single Family Handbook 4000.1 Pt. II, A.1.a.i.(A).(3), (B).(1), &

(C).(2), A.1.a.iii.(B), A.1.b.iii.(A).(3),

A.4.e.i.(C), A.5.d.x.(B).(3) & (C), A.6.a.iv, vii, & xiii.(A), A.7.b.iii & vii, A.7.d.ii.(C), & A.8.i.viii FHA Single Family

Handbook 4000.1 Pt. II, A.1.a, A.1.a.i.(A).(3),

A.1.a.i.(B).(1), A.1.a.iii.(B), A.1.b.iii.(A).(3), A.4.e.ii, A.5.d.x.(C), A.6.a.xiii.(A),

A.7.b.iii, iv, & vi, A.7.d.ii.(C), &

A.8.d.vi.(C).(5).(b)

HUD-92700-A HUD-92900-A

FNMA Form 1003

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FHA

(Package Type)

Proper Name of Disclosure

Generic Cx Number

Loan Program Type

Timing

Legal Reference

Specific Language Required

Initial Disclosure, Processing,

Underwriting, and Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Subordinate financing disclosed on 1003 Uniform Residential Loan Application

Section 184 ? Request For Case Number Section 184 ? Underwriting

Submission Checklist ? Refinance Section 184 ?

Addendum to URLA

ARM Disclosure ? Investor & Lender

FHA Negative Equity Positions Borrower

Certification

On Cx4193 (upon request)

Cx7910 (upon request)

Cx7931 (upon request)

Cx18403 (upon request)

Cx13457 & Cx14089 (both upon request)

Cx15175

All loan transactions involving subordinate

financing

Section 184 loans Section 184 loans

Section 184 loans

Section 257 loans

Refinance of Borrowers in Negative Equity Positions

Program (Short Refi)

At the time of application

When requesting a program case number

During the underwriting process

FHA Single Family Handbook 4000.1 Pt. II,

A.4.d.iii.(J).(1).(b), (J).(2).(b), (J).(3).(a), &

(J).(4).(b) and A.5.c.iii.(J).(1).(b), (J).(2).(b), (J).(3).(a), &

(J).(4).(b)

FNMA Form 1003

HUD-50131 HUD-50128

Not specified, but practically given in connection with the

application At mortgage application

Must be included in the FHA case binder submitted for endorsement

24 C.F.R. ? 203.49(h) (West 2015);

FHA Single Family Handbook 4000.1 Pt. II,

A.8.f.ii FHA Single Family Handbook 4000.1 Pt. II,

A.7.d.ii.(C) & A.8.e.ii.(A).(1)

HUD-50111

12 C.F.R. Pt. 1026, Supp. I, Paragraph 19(b)(2)(xi)

- 1

HUD-92918

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