FHA DISCLOSURE MATRIX - Compliance

FHA DISCLOSURE MATRIX

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Last Updated: May 2019

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

Page 1

FHA

(Package Type)

Proper Name of Disclosure

Generic Cx Number

Initial Disclosure

FHA Amendatory Clause/Real Estate

Certification

Cx38

Initial Disclosure Initial Disclosure

Informed Consumer Choice Disclosure

Notice

Notice to Homeowner ? Assumption of FHA Insured Mortgages

Cx41 Cx1566

Initial Disclosure

Verification of VA Benefits

Cx3952

Initial Disclosure

Request for Certificate of Veteran

Status

Cx3953

Loan Program Type Purchase transaction

All loans Assumptions

All loans All loans involving a

veteran

Timing

Legal Reference

Specific Language Required

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

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

Page 2

FHA

(Package Type)

Proper Name of Disclosure

Generic Cx Number

Initial Disclosure

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

Cx 9348 (upon request)

Social Security

Cx5579 (upon

Number Verification

request)

New Construction All loans

Timing

Legal Reference

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. 63(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)

Specific Language Required

HUD-NPMA-99-B

HUD-NPMA-99-A

HUD-92541 No

Form SSA-89

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

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

Mortgagor's Certificate

Cx6592 (upon request)

FHA Identity of Interest Certification

Request for Acceptance of

Changes in Approved Drawings and Specifications

Cx14285 (upon request)

Cx14872 (upon request)

Consultant's Identityof-Interest Certification

Cx15426 (upon request)

FHA Lock-in Agreement

FHA Non-Purchasing Spouse (NPE) Authorization

Cx19817 Cx19872

Hold-Harmless Agreement

Upon Request

Loan Program Type Section 234(d) loans

(condominiums) Purchase loans

Section 203(k) loans

Section 203(k) loans

All loans All loans

All purchase loans involving HUD-owned

property

Timing

Legal Reference

At closing

Not specified

When changes to the construction work order are proposed

After preparing/reviewing the Work Write-Up and

Cost Estimate

Before charging lockin and rate lock fees Not specified, but practically before the processing of the loan

Not specified

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

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 REV-2, ch. 2, Sec.

VIII:2-30

Specific Language Required

FHA-3212-A No

HUD-92577

Handbook No No

HUD-9538

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

Page 4

FHA

(Package Type)

Initial Disclosure

Proper Name of Disclosure

HUD Employee/Relative

Home Purchase Certification HUD-

50001

Generic Cx Number

Upon Request

Allow Any

FHA Loan Underwriting and Transmittal Summary

Cx13513

Initial Disclosure and Closing

Certification and Authorization

Cx13

Initial Disclosure and Closing

Important Notice to Homebuyers

Cx40

Loan Program Type All purchase loans

All loans

All loans All loans

Timing

Legal Reference

Specific Language Required

Prior to bidding on a HUD-owned single

family home

FHA Single Family Notices H 2011-19

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-50001 HUD-92900-LT

No HUD-92900-B

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

Page 5

FHA

(Package Type)

Proper Name of Disclosure

Generic Cx Number

Initial Disclosure and Closing

Initial Disclosure and Closing

Warranty of Completion of Construction ? HUD-

92544

203(k) ? Borrowers Identity of Interest

Certification

Cx47

Cx2072 (upon request)

Loan Program Type New Construction Section 203(k) Loans

Initial Disclosure & PreDisclosure

For Your Protection Get a Home Inspection

Cx2283

All purchase loans

Initial Disclosure and 4506-T (Copy of Tax

Closing

Form)

Cx3095

All loans

Initial Disclosure & Closing

203(k) Borrower's Acknowledgment

Cx3406 (upon request)

Section 203(k) loans

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

Timing

Legal Reference

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

At application

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) FHA Single Family Handbook 4000.1 Pt. II, A.7.d.ii.(C), A.8.a.iv, & A.8.a.xiv.(A).(4)

Specific Language Required

HUD-92544 Handbook HUD-92564-CN

Official Form

HUD-92700-A Page 6

FHA

(Package Type)

Initial Disclosure, Processing,

Underwriting, & Closing

Initial Disclosure, Processing,

Underwriting, and Closing

Initial Disclosure, Processing,

Underwriting, and Closing

Proper Name of Disclosure

Generic Cx Number

Loan Program Type

HUD FHA/VA Addendum

Cx3981

All loans

1003 Uniform Residential Loan

Application

Cx4193 (upon request)

All loans

Subordinate financing disclosed

on 1003 Uniform Residential Loan

Application

On Cx4193 (upon request)

All loan transactions involving subordinate

financing

Timing

Legal Reference

Before underwriting the mortgage application

Before origination

At the time of application

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) 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)

Specific Language Required

HUD-92900-A

FNMA Form 1003

FNMA Form 1003

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

Page 7

FHA

(Package Type)

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Initial Disclosure & Closing

Processing

Proper Name of Disclosure

Section 184 ? Request For Case

Number Section 184 ? Underwriting Submission Checklist ? Refinance

Generic Cx Number

Cx7910 (upon request)

Cx7931 (upon request)

Section 184 ?

Cx18403 (upon

Addendum to URLA

request)

Loan Program Type Section 184 loans Section 184 loans Section 184 loans

Timing

When requesting a program case number

During the underwriting process

Not specified, but practically given in connection with the

application

ARM Disclosure ? Investor & Lender

Cx13457 & Cx14089 (both upon request)

Section 257 loans

At mortgage application

FHA Negative Equity Positions Borrower

Certification

Section 184 Important Notice to

Homebuyers Supplemental Notice

Compliance Inspection Report

Cx15175

Refinance of Borrowers in Negative Equity Positions

Program (Short Refi)

Cx19126

Section 184 loans

Cx14697 (upon request)

All loans in which repairs to the property before closing are present

Must be included in the FHA case binder

submitted for endorsement Not specified, but practically when form HUD-92900-B is

provided After incomplete repairs have been

satisfactorily completed

Legal Reference

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)

79 FR 60492 (2014)

FHA Single Family Handbook 4000.1 Pt.

II, A.6.a.viii.(B) & A.7.b.xvi

Specific Language Required

HUD-50131

HUD-50128

HUD-50111

12 C.F.R. Pt. 1026, Supp. I, Paragraph

19(b)(2)(xi) - 1

HUD-92918

No

HUD-92051

? 2020 First American Financial Corporation and/or its affiliates. All rights reserved. Version 2019.05

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