HUD and Social Security Pair Up to Verify FHA Borrowers' Numbers
Published Date: 11/3/2026
Notice
Summary
HUD and the Social Security Administration are teaming up to double-check Social Security numbers for people applying for FHA home loans. This new program starts December 3, 2026, and runs for 18 months, helping make sure only eligible borrowers get mortgage insurance. If you want to share your thoughts, you’ve got until December 3, 2026, to send in comments.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
HUD–SSA SSN checks for FHA applicants
Starting December 3, 2026, HUD will work with the Social Security Administration to verify Social Security numbers for people applying for FHA Single-Family mortgage insurance. The program runs for 18 months and SSA will return match/no-match codes (and death-record indicators) to HUD to verify borrower eligibility.
You must consent to submit SSN data
HUD will submit each applicant's first name, last name, Social Security number, and date of birth to SSA only for borrowers who provide written consent through Form HUD-92900-A. SSA will check those data in its Enumeration Verification System and return a verification response to HUD.
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