FHA Single Family Early Payment Default Oversight | Office of Inspector General, Department of Housing and Urban Development

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Title	Announced	Priority Area	Program Area	State
FHA Single Family Early Payment Default Oversight	02/2026	Protecting the Mortgage Insurance Funds, Creating Access to Affordable Housing	Housing	All

Summary

We are initiating an audit related to FHA single family early payment default underwriting. An early payment default refers to mortgages that become 60 Days delinquent within the first six payments; the immediacy of these defaults may reflect a defect in the underwriting standards. The objective of our audit is to determine whether there are gaps in HUD's controls to ensure len ders follow FHA rules for underwriting and reporting on single family FHA loans.