What FHA products can be scored using FHA TOTAL Mortgage Scorecard?

Although all of the following products and programs are eligible for risk assessment using the FHA TOTAL Mortgage Scorecard (TOTAL), it is possible that not all are supported by the Automated Underwriting System (AUS).  Mortgage lenders will need to check their AUS vendor’s User Guide for details and data input requirements.

To obtain a credit risk assessment from the FHA TOTAL Mortgage Scorecard, the loan must meet the following FHA eligibility criteria:

Loan Purpose:

•             Purchase Money Mortgage

•             Construction-to-Permanent Mortgage

•             Rate/Term Refinance

•             Cash-Out Refinance

FHA Insurance Product

•             203(b)---Standard FHA product for detached dwellings

•             203(h)---Mortgages for Disaster Victims

•             203(b)/234(c)---Unit Mortgages in Condominium Projects

•             203(k)---Rehabilitation Mortgage Insurance

•             251---Adjustable Rate Mortgages (ARMs) on single family detached and Condominium Units

•             Energy Efficient Mortgages (EEM)

•             Section 247---Hawaiian Home Land mortgages

Property Types:

•             Single family dwellings of 1 - 4 units (3- and 4-units have additional underwriting requirements, which may or may not be supported by the AUS)

•             Manufactured homes meeting Title II property requirements

•             Units in Low- and High-Rise Condominium Projects (Project must be approved)

Plan Type:

•             Fixed Rate Mortgages

•             Adjustable Rate Mortgages, including 1-Year and Hybrid ARMs

Streamline Refinance transactions, assumptions, and Mortgages made to nonprofit/Governmental Entity Borrowers must not be scored through TOTAL Mortgage Scorecard.

Unless otherwise specifically announced, the applicable policies for FHA’s TOTAL Scorecard are contained within Handbook 4000.1 II.A.4.  Underwriting the Borrower Using the TOTAL Mortgage Scorecard. 

For loans that require manual underwriting, refer to Section II.A.5, Manual Underwriting of the Borrower. 

Handbook 4000.1 is available at: https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

For additional information, please visit HUD’s TOTAL Scorecard web page available at: https://www.hud.gov/program_offices/housing/sfh/total 


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-03519