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5.15.1 HUD Underwriting Assignment

HUD Multifamily Accelerated Processing (MAP) Guide, HUD Handbook 4430.G (2020 ed., rev. Mar. 19, 2021) · 2026 edition · updated 2026-10-05 · United States

A. All applications will be assigned to a Senior Underwriter or underwriting team by the Production Chief. The underwriting team will complete an early warning system (EWS) review of each application and identify which applications can be assigned to and reviewed by a single Underwriter and which may require the assistance of the Technical Branch Chief and/or a HUD Construction Analyst (Architect, cost analyst).

  1. In general, all new construction and substantial rehabilitation applications should be reviewed by a HUD Construction Analyst.

  2. In addition, refinance and acquisition applications with combinations of repairs and alterations exceeding $15,000 per unit in cost and/or including Level 2 and Level 3 alterations should be reviewed by a HUD Construction Analyst.

  3. Applications for Section 223(f) for properties less than 10 years old and for Section 223(a)(7) should not require the assistance of a Construction Analyst unless the CNA contains a corrective action plan for accessibility deficiencies, or the HUD Underwriter observes that such a plan is required but not submitted.

  4. Section 223(f) applications for properties older than 10 years with repairs and Level 1 Alterations will require the Underwriter to determine whether any issues are observed that might require a technical review.

B. When engaged to complete a technical review or consider a particular Lender exhibit, the HUD Construction Analyst should not redo or correct the Lender’s work. Instead, the review should be summarized in writing for the HUD Underwriter.

  1. Review the Lender deliverables for completeness.

  2. Examine the review report and the A/E and cost exhibits and recommend either acceptance, acceptance assuming specified modifications or rejection of the A/E and cost portion of the Firm Commitment submission; report to the Underwriter on the form(s) at Appendix 5, Section A.5.6 and following as appropriate for the application stage and program.

C. Any application for an existing property proposing repairs and alterations in any combination that results in uncertainty about program eligibility (refinance/acquisition vs. substantial rehabilitation) should be reviewed by the HUD Construction Analyst, who shall review the immediate repairs identified in the CNA e-Tool.

D. The costs of all repairs should be totaled and compared to the cost per unit threshold (Section 5.1.4) adjusted for the applicable Hight Cost Percentage. If the total cost of immediate repairs exceeds the threshold, the application must be for substantial rehabilitation.

MAP Guide, March 2021 Go to beginning of Chapter 5

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Chapter 5 Page 5-56

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Chapter 5 Architectural and Construction Analysis 5.15 HUD Procedures

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▸Contents — HUD Multifamily Accelerated Processing (MAP) Guide, HUD Handbook 4430.G (2020 ed., rev. Mar. 19, 2021)
HUD Multifamily Accelerated Processing (MAP) Guide, HUD Handbook 4430.G (2020 ed., rev. Mar. 19, 2021)

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