HUD Updates Foreclosure Help Form Paperwork
Published Date: 9/22/2026
Notice
Summary
HUD wants to update how it collects info about FHA-insured mortgage loans, especially for folks behind on payments using loss help programs. This affects lenders and homeowners working to avoid foreclosure. Comments on these changes are open until November 23, 2026, with no new costs expected—just smoother info sharing!
Analyzed Economic Effects
3 provisions identified: 0 benefits, 3 costs, 0 mixed.
Monthly FHA paperwork burden and cost
If you are an FHA mortgage borrower (or a mortgagee), HUD estimates 990,284 respondents will produce 3,431,820 monthly responses for loss mitigation, averaging 0.69 hours per response. That totals 1,458,337 burden hours annually and an estimated $36,823,021 in annual respondent cost; comments are due November 23, 2026.
New RAP Repayment Agreement added
HUD added a Reinstatement Advance Payment (RAP) Repayment Agreement to the information collection for non-performing FHA-insured mortgage loans. If you are a homeowner using RAP in loss mitigation, this new supplemental document is now part of HUD's required forms.
Partial claim documents updated
HUD updated the Partial Claim Promissory Note and Partial Claim Subordinate Mortgage as part of this information collection for FHA loss mitigation. Homeowners using partial claims will encounter the revised supplemental documents during servicing.
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Key Dates
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