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Title 24

Displaying title 24, up to date as of 7/16/2026. Title 24 was last amended 7/13/2026.
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Title 24Housing and Urban DevelopmentPart / Section
Subtitle BRegulations Relating to Housing and Urban Development100 – 4199
Chapter IIOffice of Assistant Secretary for Housing—Federal Housing Commissioner, Department of Housing and Urban Development200 – 299
Subchapter BMortgage and Loan Insurance Programs Under National Housing Act and Other Authorities201 – 267
Part 203Single Family Mortgage Insurance203.1 – 203.681
Subpart AEligibility Requirements and Underwriting Procedures203.1 – 203.249
Direct Endorsement, Lender Insurance, and Commitments203.1 – 203.8
§ 203.1Underwriting procedures.
§ 203.3Approval of mortgagees for Direct Endorsement.
§ 203.4Approval of mortgagees for Lender Insurance.
§ 203.5Direct Endorsement process.
§ 203.6Lender Insurance process.
§ 203.7Commitment process.
§ 203.8Approval of mortgagees for Direct Endorsement Lender Review and Approval Process (DELRAP).
Miscellaneous Regulations203.9 – 203.16a
§ 203.9Disclosure regarding interest due upon mortgage prepayment.
§ 203.10Informed consumer choice for prospective FHA mortgagors.
§ 203.12Mortgage insurance on proposed or new construction.
§ 203.14Builders' warranty.
§ 203.15Certification of appraisal amount.
§ 203.16Certificate and contract regarding use of dwelling for transient or hotel purposes.
§ 203.16aMortgagor and mortgagee requirement for maintaining flood insurance coverage.
Eligible Mortgages203.17 – 203.31
§ 203.17Mortgage provisions.
§ 203.18Maximum mortgage amounts.
§ 203.18aSolar energy system.
§ 203.18bIncreased mortgage amount.
§ 203.18cOne-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage amounts.
§ 203.18dMinimum principal loan amount.
§ 203.19Qualified mortgage.
§ 203.20Agreed interest rate.
§ 203.21Amortization provisions.
§ 203.22Payment of insurance premiums or charges; prepayment privilege.
§ 203.23Mortgagor's payments to include other charges.
§ 203.24Application of payments.
§ 203.25Late charge.
§ 203.26Mortgagor's payments when mortgage is executed.
§ 203.27Charges, fees or discounts.
§ 203.28Economic soundness of projects.
§ 203.29Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.
§ 203.30Certificate of nondiscrimination by the mortgagor.
§ 203.31Mortgagor of a principal residence in military service cases.
Eligible Mortgagors203.32 – 203.36
§ 203.32Mortgage lien.
§ 203.33Relationship of income to mortgage payments.
§ 203.34Credit standing.
§ 203.35Disclosure and verification of Social Security and Employer Identification Numbers.
§ 203.36 [Reserved]
Eligible Properties203.37 – 203.52
§ 203.37Nature of title to realty.
§ 203.37aSale of property.
§ 203.38Location of dwelling.
§ 203.39Standards for buildings.
§ 203.40Location of property.
§ 203.41Free assumability; exceptions.
§ 203.42Rental properties.
§ 203.43Eligibility of miscellaneous type mortgages.
§ 203.43aEligibility of mortgages covering housing in certain neighborhoods.
§ 203.43bEligibility of mortgages on single-family condominium units.
§ 203.43cEligibility of mortgages involving a dwelling unit in a cooperative housing development.
§ 203.43dEligibility of mortgages in certain communities.
§ 203.43e [Reserved]
§ 203.43fEligibility of mortgages covering manufactured homes.
§ 203.43gEligibility of mortgages in certain communities.
§ 203.43hEligibility of mortgages on Indian land insured pursuant to section 248 of the National Housing Act.
§ 203.43iEligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act.
§ 203.43jEligibility of mortgages on Allegany Reservation of Seneca Nation of Indians.
§ 203.44Eligibility of advances.
§ 203.45Eligibility of graduated payment mortgages.
§ 203.47Eligibility of growing equity mortgages.
§ 203.49Eligibility of adjustable rate mortgages.
§ 203.50Eligibility of rehabilitation loans.
§ 203.51Applicability.
§ 203.52Acceptance of individual residential water purification equipment.
Effective Date203.249
§ 203.249Effect of amendments.