FHA DISCLOSURE MATRIX
FHA DISCLOSURE MATRIX
Legal Disclaimer: This table was compiled for informational and reference purposes only. It does not constitute, nor should it be used as a substitute for, legal advice. No warranty, either expressed or implied, is attached in any regard to this table. Any reproduction, distribution, sharing, or modification of this table without the express written permission of an authorized agent of Docutech, LLC is prohibited.
Last Updated: May 2019
Property of Docutech, LLC Version 2019.05
Page 1
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
Property of Docutech, LLC Version 2019.05
Page 2
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
Property of Docutech, LLC Version 2019.05
Page 4
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
Property of Docutech, LLC Version 2019.05
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
Page 5
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
Property of Docutech, LLC Version 2019.05
Page 6
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
Property of Docutech, LLC Version 2019.05
Page 7
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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Page 8
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