Form HUD-92900-A at a glance
What it is: Form HUD-92900-A is the HUD Addendum to Uniform Residential Loan Application, the HUD/FHA Application for Insurance under the National Housing Act and Borrower Certification.
Who signs: Borrowers sign the Signatures of Borrowers line and Co-Borrowers sign the Signatures of Co-Borrower line, each with the Date Signed.
A filled-in Form HUD-92900-A example: a couple completes Part I and Part II
How to fill out Form HUD-92900-A, box by box
Part I Identifying Information
Enter the FHA Case No. and include any suffix. Enter the Mortgagee Case No.
Enter the Mortgagee ID, the Sponsor ID and the Agent ID.
Enter the Mortgagee Name, Address (include ZIP Code), and Telephone Number.
Enter the Name and Address of Sponsor and the Name and Address of Agent.
Enter the Borrower's Name and Present Address (include ZIP Code), and the Property Address (include name of subdivision, lot block no., ZIP Code).
Enter the Name of Third-Party Originator and the NMLS ID of Third-Party Originator.
Part II Borrower Consent for Social Security Administration to Verify Social Security Number
I authorize the Social Security Administration (SSA) to verify my Social Security Number (SSN) to the Mortgagee and HUD/FHA. I authorize SSA to provide explanatory information to HUD/FHA in the event of a discrepancy. This consent is valid for 180 days from the date signed, unless indicated otherwise by the individuals named in this loan application.
Enter the Borrower's Name, Date of Birth and Social Security Number, and the Co-Borrower's Name, Date of Birth and Social Security Number.
Read consent carefully and review accuracy of SSNs provided on this application. Sign the Signature(s) of Borrower(s) line and enter the Date Signed. A Co-Borrower signs the Signature(s) of Co-Borrower(s) line and enters the Date Signed.
Part III Borrower Notices, Information, and Acknowledgment
Do not sign unless this application is fully completed. Read the certification carefully and review accuracy of this application.
All information in this application is given for the purpose of obtaining a loan to be insured under the National Housing Act and the information in the Uniform Residential Loan Application and this Addendum is true and complete to the best of my knowledge and belief. I have read and understand the foregoing concerning my liability on the loan and Part III, Borrower Notices, Information, and Acknowledgment.
Anyone who knowingly submits a false claim, or makes false statements is subject to criminal and civil penalties, including confinement for up to 5 years, fines, and civil penalties.
Part IV A. Underwriting the Borrower
Enter the Date Mortgage Approved and the Date Approval Expires.
For mortgages rated as an "accept" or "approve" by FHA's Technology Open To Approved Lenders (TOTAL) Mortgage Scorecard, enter the Mortgagee Representative Signature, Printed Name and Title.
For mortgages rated as a "refer" by FHA's TOTAL Mortgage Scorecard, or manually underwritten by a Direct Endorsement (DE) underwriter, enter the Direct Endorsement Underwriter Signature and DE's ID Number.
Part IV B. Underwriting the Property
For all mortgages where FHA requires an appraisal, I have personally reviewed and underwritten the appraisal according to FHA requirements. Enter the Direct Endorsement Underwriter Signature and DE's ID Number.
Part V Mortgagee's Certification
I have personally reviewed the mortgage documents and the application for insurance endorsement; and this mortgage complies with Handbook 4000.1 section II.A.7 Post-closing and Endorsement to the extent that no defect exists that would have changed the decision to endorse or submit the mortgage for insurance.
Enter the Mortgagee, the Name of Mortgagee's Representative, the Title of Mortgagee's Representative, and the Signature of the Mortgagee's Representative with the Date.
More rules for Form HUD-92900-A
HUD will use this information to determine eligibility for FHA mortgage insurance, and for other purposes described in the published Privacy Act System of Records Notice (SORN).
As a mortgage loan borrower, you will be legally obligated to make the mortgage payments called for by your mortgage loan contract.
I and anyone acting on my behalf are, and will remain, in compliance with the Fair Housing Act, 42 U.S.C. § 3604, et seq., with respect to the dwelling or property covered by the loan and in the provision of services or facilities in connection therewith.
Providing this information is voluntary; however, failure to provide the requested information may delay or restrict your eligibility for an FHA-insured mortgage loan, or other benefits you are seeking.
Sources
[1] Form HUD-92900-A (04/2023), HUD Addendum to Uniform Residential Loan Application, U.S. Department of Housing and Urban Development (the Official source link on this page).
