Fill out HUD-92900-A (FHA Addendum to Uniform Residential Loan Application) online
HUD Form 92900-A is an addendum to the Uniform Residential Loan Application (URLA) specifically for FHA-insured mortgage loans. It collects additional information required by FHA, including borrower certifications about occupancy, prior FHA loans, delinquent federal debt, and the property's compliance with FHA requirements.
How to fill out HUD-92900-A (FHA Addendum to Uniform Residential Loan Application)
Complete borrower information
Enter your name, Social Security number, and other identifying information. This should match exactly what you entered on the URLA (Form 1003).
Answer FHA-specific questions
Respond to questions about prior FHA loans, occupancy intent, outstanding federal debts, and any history of mortgage default or foreclosure.
Review certifications
Read and understand the FHA certifications, including the requirement to occupy the property as your primary residence and the penalties for false statements.
Sign and date
Sign all certification sections. Both the borrower and co-borrower (if applicable) must sign. The lender representative also signs certifying compliance with FHA requirements.
About HUD-92900-A (FHA Addendum to Uniform Residential Loan Application)
Who needs this form
Borrowers and lenders involved in FHA-insured mortgage loans (purchases, refinances, streamline refinances). The form is completed alongside the standard URLA (Form 1003) as part of the FHA loan application.
Where to submit
Submitted to HUD/FHA as part of the loan endorsement package by the lender. The borrower signs the form but does not submit it directly.
Source and content freshness
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not disclosing prior FHA loans or outstanding FHA-insured mortgages
- Incorrectly certifying occupancy intent (FHA requires owner-occupancy for most loans)
- Failing to disclose delinquent federal debt (student loans, taxes)
- Not signing all required certification sections
- Inconsistencies between the URLA and the FHA addendum
Frequently asked questions
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Is this form required in addition to the regular loan application?
Yes. The HUD-92900-A is an addendum that supplements the standard Uniform Residential Loan Application (URLA / Fannie Mae Form 1003). FHA loans require both forms because the addendum collects additional FHA-specific certifications and disclosures not covered by the standard application.
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