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HUD Home Financing Codes

These are HUD home financing types that describe the FHA insurability of a property.

“IN” Insurable
203(b) Regular FHA Loan
This means the property meets FHA 203(b) financing requirements; no obvious repairs necessary to insure an FHA loan to buyer.
“IE” Insurable with Repair Escrow
203(b) – Repair Escrow
This means the property is eligible for a 203(b) FHA loan and that necessary repairs do not exceed $5,000.
“UI” Uninsured This means the property requires extensive repairs exceeding $5,000.  These properties are eligible for an FHA 203(k) mortgage if the required repairs and or the improvements are completed within 90-days of the closing.
“203K” Streamlined
203(k)
Limited Repair Program  
FHA’s Streamlined 203(k) program permits homebuyers to finance up to an additional $35,000 into their mortgage to improve or upgrade their home before move-in. With this new product, homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or FHA appraiser.

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