The HUD Addendum to URLA (Form 92900-A) is an essential supplement to the standard Uniform Residential Loan Application (URLA) for anyone applying for a Federal Housing Administration (FHA)-insured mortgage loan. While the URLA collects general data about income, assets, debts, and the property, the HUD Addendum specifically captures additional information unique to FHA guidelines that lenders and borrowers must provide for the loan to qualify for FHA insurance.
Administered by the U.S. Department of Housing and Urban Development (HUD), this form includes key data points such as the borrower’s history with FHA loans, the intended occupancy of the property (to confirm it is owner-occupied as required), and detailed property characteristics. These details help ensure the loan meets FHA’s specific regulatory criteria, including FHA loan limits and restrictions on the number of FHA loans a borrower can hold at one time.
For context, the HUD Addendum arose from the need to standardize FHA loan requirements amid the wider adoption of the URLA, which serves as the primary loan application form across mortgage lending. Unlike the basic URLA that lenders use for multiple loan types, the HUD Addendum tailors the application to FHA’s unique risk management and program rules.
When applying, borrowers complete both the URLA and Form 92900-A. The addendum requests:
- Borrower information such as military service and current property ownership,
- Loan details including FHA program type and loan purpose,
- Property information covering type, units, and occupancy status,
- Certifications regarding the borrower’s intent to occupy the property and FHA loan compliance.
Accurate completion of this form is critical. Lenders depend on it to verify eligibility and to meet FHA insurance requirements that protect both borrower and lender. Providing false or incomplete information can result in delays, denial, or legal consequences.
Typical users of Form 92900-A include first-time homebuyers, current FHA loan holders refinancing, and borrowers seeking FHA loans under specific exceptions to the usual one-loan-at-a-time rule.
For further insights, explore our related glossary entries like the Uniform Residential Loan Application and FHA Loan that explain foundational mortgage and FHA loan concepts.
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