CNA

Capital Needs Assessment .......... 3-4, 5-5, 5-18, 5-39, 6-4, 6-10, 6-11, 7-18, 7-35, 9-6, 10-9, 17-2, 18-1, 18-12, A2-19, A3-3, A4-4, A4-7, A4-10, A4-14, A5-38, A5-41, A5-49, A5-54, A5-64

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CNA Estimate ........................................................... 5-8 CNA for Existing Improvements in Refinance and Acquisition Transactions ....................................................... 5-6 CNAs are Required for All Applications .... 5-51 Other CNAs Required by Asset Management ................................................. A5-43 When CNAs are Required............................. 5A-42 CNA e-Tool Assessed Remaining Useful Life ................ A5-46 Assessed RUL ..................................... A5-46, A5-47 CNA e-Tool Repairs list .................................... 5-17 CNA Prepared for New Construction ...... A5-42 CNA Summary and Scope Information ... A5-43 Construction Types ......................................... A5-45 Estimated Replacement Cost ............ 3-15, 5-40, 5-51, 5-52, 7-38, 7-41, 7-43, 7-45, 7-46, 7-47, 7-53, 8-50, 9-4, 9-28, 13-1, 13-38, A2-15, A5-45, A5-46, A5-71, A5-74, A12-5 EUL........................................... A5-46, A5-47, A5-48 Lender Validation and Submission .......... A5-50 Minimum Sample ............................................. A5-44 Repair Replace Recommendation ........... A5-47, A5-48, A5-49 Simple Construction Schedule ................... A5-55 Standard Estimated Useful Life ................... 5-55, A5-24, A5-46 Utility Conservation Metrics ....................... A5-50 Warning Flags ...................................................... 5-55 COB Approval by COB as a MAP Lender ................ 2-1 Approval of the IOI from COB .......................... 2-9 Counterparty Oversight Branch ............2-1, 7-2, 15-1, A2-1 Disapprove a Lender Application ................... 2-2 Monitoring by COB ............................................. 2-16 Quality Assurance and Enforcement Actions .................................................................. 2-1 Role, Authority and Procedures of COB .... 2-17 Time to Complete ............. A4-18, A5-40, A5-48, A5-55 Code Enforcement ....... 3-16, 19-58, A5-22, A5-24 Commercial Income Limit ........... 7-27, 7-28, A3-2, A3-5

Commercial Space Commercial Occupancy Rate .......... 7-28, 17-10 Commercial Rent ............................ 7-1, 7-13, 7-49 Commercial Space and Income Limitations ........................................................ 7-28 Commercial Space Valuation ......................... 7-29 Nonresidential Use .................... 7-27, 9-23, 9-24, A5-1 Waivers to Exceed the Commercial Space Limits ..................................................... 7-29 Commitment Commitment, Regulatory Agreement and Closing ....................................................... 18-8 Completion Inspections Certificate of Substantial Completion .... 12-15, 13-2 Final Completion ....... 9-32, 9-36, 12-15, 12-16, 13-3, 19-57 Punch List ............................................. 12-14, 12-15 Completion Monitoring Completion Monitoring .............................. A12-12 Concept Meeting Concept Meeting Exhibits .................................. 4-1 Section 223(f) Concept Meeting .................. A4-2 Written Response to the Concept Meeting................................................................. 4-1 Condominium Condominium ............... 3-9, 3-25, 7-10, 8-4, 8-8, 19-35, 19-41, A5-5 Waiver for a Condominium ............................ 3-10 Consolidated Certifications .............. 19-58, 19-59, 19-82, A3-21 Construction

• Construction Problem ........... 2-6, 12-10, 12-38, 19-21

Construction Progress Meeting ..... 12-9, 12-44 Construction Schedule . 5-13, 5-14, 5-17, 5-18, 5-38, 5-41, 6-13, 12-5, 12-6, 12-9, 12-38, A3-11, A3-12, A3-13, A3-14, A5-8, A5-25, A5-55

Construction Analyst Construction Analyst Responsibilities ......... 5-7 Construction Contract Construction Contract ........ 3-12, 5-7, 5-8, 5-10, 5-18, 5-19, 5-29, 5-31, 5-33, 5-34, 5-42,

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5-46, 5-50, 5-54, 8-20, 8-47, 12-3, 12-5, 12-8, 12-9, 12-12, 12-13, 12-15, 12-20, 12-21, 12-23, 12-24, 12-25, 12-27, 12-29, 12-36, 12-37, 12-39, 12-40, 12-43, 12-45, 13-2, 13-5, 13-6, 13-7, 13-9, 13-14, 13-17, 13-18, 13-19, 13-20, 13-26, 13-27, 13-28, 13-30, 13-31, 13-36, 13-37, 13-38, 14-9, 19-10, 19-12, 19-16, 19-19, 19-21, 19-60, 19-63, 19-64, 19-65, 19-66, 19-67, 19-72, 19-74, 19-77, 19-82, 19-83, A2-16, A5-21, A5-23, A5-31, A5-35, A5-37, A5-54, A12-10, A12-11, A12-12, A12-13, A12-17, A12-18, A13-2

Construction Contract for Insured Advances ........................................................... 5-19 construction Draw Construction Draw ......... 3-20, 5-12, 5-21, 5-42, 19-61, A3-13, A5-42 Construction Loan Construction Loan Administration ......1-1, 1-2, 2-15, 2-16, 2-17, 4-6, 11-2, 15-5, 15-6, 15-10, 15-11, A2-1, A2-2, A2-5, A2-6, A2-7, A2-23, A15-4 Construction Loan Administration Construction Loan Administration ......1-1, 1-2, 2-15, 2-16, 2-17, 4-6, 11-2, 15-5, 15-6, 15-10, 15-11, A2-1, A2-2, A2-5, A2-6, A2-7, A2-23, A15-4 Contingency Funds Contingency Funds ............................. 12-24, 14-7 Substantial Rehab Contingency .................... 14-7 Contract Administration Contract Administration ......................... 5-8, 12-3 Shell Company ..................................................... 12-4 Contractor's Profit BSPRA .... 3-3, 3-8, 3-14, 3-17, 3-18, 3-19, 5-50, 7-44, 7-53, 8-30, 8-34, 8-50, 8-51, 13-1, 13-18, 13-26, 13-27, 13-28, 13-29, 13-37, 13-38, 14-9, 19-44, 19-65, A2-20, A2-21, A2-24, A3-2, A3-3, A3-7, A3-8 Controlling Mortgage Criteria Controlling Mortgage Criteria .......... 3-17, 3-18, 3-19, 3-29 Criterion 1.. 3-15, 3-23, 3-25, 3-26, 3-34, 3-45, 8-44, 14-4, 17-5, 18-2

• Criterion 10 ...... 3-23, 3-26, 3-34, 3-45, 8-44, 1 7-5, 18-2, A3-4

Criterion 3 .............. 3-15, 3-16, 3-18, 3-19, 3-25, 3-45, 5-50, 7-16, 7-17, 7-18, 7-38, 7-39, 7-44, 7-45, 7-52, 7-54, 7-55, 7-57, 7-58, 7-60, 7-62, 13-3, 13-13, 13-33, 14-5, 16-4, 16-5, 17-5, A3-1, A3-3

Criterion 4 .... 3-5, 3-16, 3-19, 3-25, 3-27, 5-47, 7-46, 17-5, A3-1, A3-3

Criterion 5 .............. 3-16, 3-19, 3-20, 3-22, 3-26, 7-35, 7-57, 7-58, 7-60, 7-62, 13-37, 13-39, 17-3, 17-5, 18-3, A2-8, A2-9, A3-1, A3-4 Criterion 7 .............. 3-26, 3-45, 8-44, 14-7, 17-5, A3-4 Criterion 9 .............................................................. 3-45 Cooperative

Approving New Members ............................ 17-12 Carrying Charge ................. 2-5, 3-14, 7-44, 8-34, 12-20, 13-38, 17-1, 17-4, 17-5, 17-6, 17-7, 17-10, 17-11, 17-12, 19-61, 19-106, A5-72, A12-1, A12-2, A12-3, A12-7, A12-14, A1217, A12-18 Cooperative Housing .... 17-1, 17-3, 17-4, 17-6, 17-10, 17-11, 18-3, 19-81, A3-4 Cooperative Membership ................ 17-6, 17-11, 17-12 Cooperative Ownership ................................... 17-1 New Member ..................................................... 17-12 Cost Basis Furniture, Fixture, and Equipment in Cost Basis .......................................................... 3-13 Cost Certification Cost Certification Requirements ..... 5-54, 12-4, 13-9, 19-75 Extension of Contract Time ......................... 12-24 Short-Form Cost Certification .................... 19-75 Cost Not Attributable Calculating Cost Not Attributable for Substantial Rehabilitation ....................... A5-71 Commercial Cost Not Attributable ........... A5-66 Commercial Costs Not Attributable ........A5-66, A5-67 Cost Not Attributable for Existing Properties ...................................................... A5-69

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Cost Not Attributable to Dwelling Space ................................................................... 3-27 Costs Not Attributable for Existing Properties ...................................................... A5-69 Costs Not Attributable for New Construction ................................................. A5-64 Cost Portions Cost Portions of Form HUD-92264 ............ 5-38, 5-53, 5-55, A2-20, A2-22 Cost Report Cost Report ............................................................ 5-27 Detailed Cost Estimate Package ................... 5-27 Counterparty Oversight Branch COB ............. 1-3, 2-1, 2-2, 2-3, 2-6, 2-7, 2-8, 2-9, 2-10, 2-12, 2-13, 2-14, 2-15, 2-16, 2-17, 2-18, 2-19, 2-20, 2-21, 2-22, 2-24, 7-2, 7-4, 12-10, 15-1, 15-2, 15-3, 15-4, 15-5, 15-6, 15-7, 15-8, 15-10, 15-11, 15-12, 15-13, 15-15, 15-17, 15-18, A2-1, A2-2, A2-3, A2-4, A2-5, A2-6, A2-7, A2-10, A2-25, A8-7, A15-1, A15-2, A15-3, A15-5 Counterparty Oversight Branch ............2-1, 7-2, 15-1, A2-1 Credit Report Credit Reports and Credit Investigation .................................................... 8-12 Criterion 3 ....... 3-15, 3-16, 3-18, 3-19, 3-25, 3-45, 5-50, 7-16, 7-17, 7-18, 7-38, 7-39, 7-44, 7-45, 7-52, 7-54, 7-55, 7-57, 7-58, 7-60, 7-62, 13-3, 13-13, 13-33, 14-5, 16-4, 16-5, 17-5, A3-1, A3-3

Criterion 5 ....... 3-16, 3-19, 3-20, 3-22, 3-26, 7-35, 7-57, 7-58, 7-60, 7-62, 13-37, 13-39, 17-3, 17-5, 18-3, A2-8, A2-9, A3-1, A3-4 Critical Repairs Accessibility Critical Repairs ......................... A5-8 Code Violation ...... 19-58, 19-95, A5-22, A5-24, A5-39

Ingress and Egress ... 3-43, 12-8, 12-15, 12-19, 12-46, 19-73, 19-74

Physical Security of the Property ............. A5-42

D Davis-Bacon Davis-Bacon Wage Rate .......... 5-22, 5-30, 5-45, 8-47, 9-2, 12-2, 12-39, 12-47, 14-15, 19-80, 19-82, A2-17, A5-30 Labor Standards ............. 3-12, 3-24, 5-34, 12-2, 12-3, 12-7, 12-10, 12-30, 12-31, 12-39, 19-10, 19-11, 19-19, 19-64, 19-80, 19-84, A12-8 Daycare Daycare .................................................................. A5-1 Debt Service Coverage Debt Service Coverage Ratio ............... 3-7, 3-20, 8-38, 8-39, 8-40, 18-3, A5-52, A8-3 Debt Service Limit Maximum Loan and Debt Service ................ 3-25 Delinquent Federal Debt ....................................... 8-13 Departmental Enforcement Center DEC ..................... 1-4, 3-24, 4-7, 8-15, 10-1, 11-6, 11-10, 15-1, 15-3, 15-4, 15-17, 15-18 Departmental Enforcement Center .............. 1-4, 2-16, 3-24, 4-7, 8-15, 10-1, 11-6, 15-1, 15-2, 15-12, 15-17, A15-1, A15-2 Design Architect Design Architect and the Supervisory Architect are Different .............................. 19-63 Design Professional Certifications Certificate of Professional Liability Insurance .................................. 5-9, 5-10, A5-59 Certification for New Construction and Substantial Rehabilitation ....................... A5-55 Design Professional Certifications ............ A5-55 Developer Fee Deferred Developer Fee ....... 3-18, 14-9, 14-10, 14-16, 19-48 Developer Fee .................. 3-8, 3-18, 8-34, 12-29, 12-30, 13-28, 14-2, 14-7, 14-9, 14-11, 19-44, 19-104, A3-2, A3-6, A3-7 Treatment of Developer Fee .......................... 14-9 Disability Disability .......... 3-4, 3-13, 3-14, 7-2, 7-20, 7-36, 10-8, 12-32, 17-2, A3-9, A3-12, A5-17, A5-18

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Disabled ........... 3-17, 3-18, 3-35, 3-36, 3-39, 3-44, 5-41, A3-2, A3-13, A5-1, A5-18, A5-36, A5-38 Disbursements Approved Disbursements ............................ A12-8 Disparate Impact Disparate Impact ................................................ 3-14 Displacement ................ 3-42, 3-43, 3-44, 7-1, 8-49, 10-2, 13-3, 14-15, A3-12, A3-13, A5-8 DOE's Simulation Engines EnergyPlus ............................................................ A6-2 OpenStudio ............................................................ A6-2 Spawn-of-EnergyPlus ....................................... A6-2 Draft Closing Package ................. 19-3, 19-4, 19-10, 19-23, 19-33, 19-34, 19-52 Drawings and Specifications Distribution of Drawings and Specifications .................................................. 5-32 Drilling Site ................................................................. 9-55 Due Diligence Consultant Due Diligence ................................... 5-5 Duplicate Water and Sewerage System: ........ A5-3

E Early Start of Construction ......... 5-33, 5-34, 12-2, 19-11, 19-12 Easement Easement ..... 9-54, 11-12, 19-36, 19-39, 19-41, 19-42, A4-5, A4-8, A4-11, A4-14, A5-5 Estate or Interest in the Land ..................... 19-36 Proposed Easement ............................... 5-22, 5-58 Elderly Elderly Families....................................... 3-35, 3-36 Elderly Family ........................... 3-37, 17-2, A3-11 Elderly Occupancy...................... 3-17, 3-24, 3-39 Elderly Person...... 3-17, 3-18, 3-35, 3-37, 3-39, A3-2 Elderly Persons ...3-17, 3-35, 3-37, 3-39, A3-9, A3-11 Electronic Submission ............ 1-1, 2-23, 4-5, 8-29, A4-1, A4-22 Eligible Area Eligible Area .......................................................... 3-16 Eligible Construction Activities Eligible Construction Activities ........... 5-1, 18-3

Eligible Construction By Program ................. 5-4 Eligible/ility Eligible Foreign Nationals ................................. 3-1 Risk Share .......................... 3-18, 3-29, 18-2, A4-1 Short-Term Lease .............. 3-8, 3-22, 7-26, 7-27 Tenants-in-Common ............................................ 3-1 Encroachment ........... 9-13, 9-14, 9-16, 9-18, 9-20, 9-21, 19-37 Energy Modeling Energy Modeling Software........... 6-6, 6-7, A6-2 Energy Professionals Certifications Required for Energy Professionals ...................................................... 6-6 Energy Professionals Qualifications ............. 6-6 Expected Tasks for Energy Professionals .. 6-6 ENERGY STAR® ENERGY STAR® Existing Building Certification ............................................... 6-2, 6-8 ENERGY STAR® New Construction Multifamily ......................................................... 6-2 ENERGY STAR® New Construction Single Family ................................................................... 6-2 ENERGY STAR® Score ............ 6-1, 6-3, 6-4, 6-8, 6-10, 6-12, 6-13, 6-14, A5-57, A5-59 Portfolio Manager ....... 5-27, 6-4, 6-5, 6-6, 6-11, 6-12, 6-13 Enforcement DEC ....... 1-4, 3-24, 4-7, 8-15, 10-1, 11-6, 11-10, 15-1, 15-3, 15-4, 15-17, 15-18 Departmental Enforcement Center .............. 1-4, 2-16, 3-24, 4-7, 8-15, 10-1, 11-6, 15-1, 15-2, 15-12, 15-17, A15-1, A15-2 Enforcement Action ..... 1-3, 2-1, 2-7, 2-17, 3-5, 3-30, 5-2, 15-4, 15-5, 15-18, 16-3, A15-1, A15-3 Enforcement Tool ............................................... 15-1 Limited Denial of Participation ............. 3-5, 4-7, 15-1, 15-2, 15-16, 15-17, 17-11, A2-3 Targeted Enforcement Measures ................ 15-1, 15-6, 15-7, A2-2, A2-4 Environmental Environmental Clearance ............. 1-3, 4-6, 9-56 Environmental Requirements ............ 1-4, 3-10, 9-1, 9-10, 9-22

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• Environmental Review ...... 1-5, 2-6, 3-10, 3-21, 4-6, 5-5, 5-25, 5-29, 5-33, 5-35, 5-37, 5-38, 7-4, 7-40, 7-64, 7-65, 9-1, 9-2, 9-3, 9-4, 9-5, 9-6, 9-7, 9-8, 9-9, 9-10, 9-11, 9-13, 9-24, 9-25, 9-48, 9-50, 9-53, 9-57, 12-22, 18-5, 19-12, A2-13, A4-17, A4-18

• Environmental Site Assessment......... 5-23, 9-1, 9-2, 9-12, 9-13, 9-15

• HEROS ........ 1-3, 1-5, 3-10, 3-21, 4-6, 5-6, 5-23, 5-33, 7-40, 7-43, 7-64, 7-65, 9-1, 9-3, 9-4, 9-5, 9-6, 9-7, 9-8, 9-9, 9-10, 9-11, 9-13, 9-18, 9-25, 9-29, 9-31, 9-34, 9-37, 9-38, 9-48, 9-50, 9-51, 9-55, 9-57, 17-7, 18-5, A2-13, A4-4, A4-10, A4-14

• Phase I Environmental Site Assessment..... 1-5, 5-6, 7-64, 9-1, 9-2, 9-13, 17-7, A2-13, A4-4, A4-10, A4-14

• Phase II Environmental Site

  • Assessment ...... 5-6, 9-6, 9-7, 9-8, 9-12, 9-15

• Environmental Report ............ 3-10, 3-24, 4-6, 5-6, 5-23, 7-64, 9-6, 9-7, 9-10, 9-11, 9-29, 9-31, 9-33, 9-38, 9-51, 17-7, 17-9, A7-8

• Equipment

• Ineligible Equipment ......................................... A5-2 Lessor of Equipment ...................................... 13-18

• Equity

  • Base Equity ......................................................... 13-31 Initial Equity Investment .. 13-5, 13-31, 13-44, 14-14

  • Required Equity .............. 3-14, 8-20, 8-24, 8-28, 14-10, 19-103

  • Tax Credit Equity .............. 2-9, 2-10, 2-12, 2-14, 8-24, 8-28, 8-42, 8-50, 12-17, 13-1, 13-26, 13-27, 14-1, 14-2, 14-3, 14-9, 14-10, 14-12, 14-13, 14-14, 14-15, 14-16, 19-44, 19-49, 19-52, 19-53, 19-61, 19-103, A2-26, A2-27, A4-5, A4-12, A4-15, A12-1, A12-2

Escrow Cash Escrow ................ 8-42, 8-47, 12-21, 12-24, 12-30, 13-34, 13-35, 19-66, 19-83, A12-1, A12-16, A12-18 Debt Service Escrow............................................. 3-7 Escrow Agreement for Deferred Repairs ......... 5-41, 5-42, 8-42, 12-43, 12-47, 19-52, 19-56, 19-76, 19-78

Escrow Agreement for Latent Defects ... 19-56, 19-57, 19-82, 19-83

Escrow Agreement of Sponsor to Furnish Additional Funds ......................................... 19-57 Escrow Release ............................ 2-16, 3-26, 5-43 Incomplete Construction .............. 12-16, 12-19, 12-20, 13-34, 19-14, 19-15, 19-17, 19-20, 19-57, 19-72, 19-73

Initial Operating Deficit .............. 3-7, 7-49, 10-8, 11-7, 12-34, 12-35, 13-3, 13-13, 14-7, 16-4, A7-9, A12-6, A12-15

Non-Critical Repair Escrow .... 2-2, 12-43, 15-7 Project Completion Funds .... 19-48, 19-61, 1962

Relocation Escrow ............... 14-7, A3-12, A3-13, A3-14

• Working Capital Escrow ......... 3-13, 8-48, 8-49, 8-50, 11-7, 12-20, 12-21, 12-34, 12-40, 14-7, A12-6, A12-17

Estimate Estimate of Replacement Cost .......... 5-27, 7-46, A5-22, A5-23

Estimated Replacement Cost

Criterion 3 .............. 3-15, 3-16, 3-18, 3-19, 3-25, 3-45, 5-50, 7-16, 7-17, 7-18, 7-38, 7-39, 7-44, 7-45, 7-52, 7-54, 7-55, 7-57, 7-58, 7-60, 7-62, 13-3, 13-13, 13-33, 14-5, 16-4, 16-5, 17-5, A3-1, A3-3

Estimation

• Estimation Method ............................................. 5-44

• Excess Proceeds

Excess Mortgage Proceeds .............. 8-50, 12-23, 12-24, 12-28, 12-29, 12-30, 12-34, 12-35, A12-6, A12-7, A12-12

Excess Proceeds ...................................... 5-42, 5-43 Expense Expense Data Sources ....................................... 7-32 Interval 1 ................................................................ 7-48 Interval 2 ................................................................ 7-48 Interval 3 ................................................................ 7-49 Extension of Contract Time .............................. 12-24 Exterior Site Improvement Exterior Site Improvement .......................... A5-64

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F

Fair Housing Act Fair Housing Act ..... 3-4, 3-17, 3-24, 3-35, 3-36, 3-37, 3-38, 3-39, 5-6, 5-7, 5-20, 5-21, 5-24, 5-25, 5-28, 5-36, 7-2, 7-20, 7-36, 10-8, 17-2, A2-17, A2-19, A3-9, A3-11, A5-6, A5-7, A5-9, A5-10, A5-11, A5-12, A5-15, A5-16, A5-17, A5-18, A5-24, A5-34, A5-37, A5-45, A5-56, A5-58 Fair Housing Act Design and Construction .......... A5-6, A5-9, A5-34, A5-37 Fair Housing Act Requirements .......A5-7, A5-9 HUD Recognized Safe Harbors ................... A5-10 Resources for Fair Housing Act ................. A5-11 Federal Debt Delinquent Federal Debt ................................. 8-13 Federal Debt ............................................. 8-13, 8-14 Federal Labor Standards Copeland Act ......................................................... 3-12 Fee Developer ........................................................... 8-31 Fee-Joinders Fee-Joinders ........................................... 7-55, 19-27 Fees Application Fee ............ 1-1, 2-12, 3-2, 3-4, 3-10, 3-28, 3-30, 4-3, 4-5, 4-6, 5-23, 11-2, 13-23, 13-39, 14-1, 18-2, 18-6, A3-2, A3-5, A4-3, A4-7, A4-9, A4-13, A4-18 Certification of Architectural/ Engineering Fees ........................................ 19-93 Deferred Fee Collection ................................ 11-11 Deferred Management Fee ................ 8-17, 8-36, 8-42, 17-12, 18-3 Developer Fee .................. 3-8, 3-18, 8-34, 12-29, 12-30, 13-28, 14-2, 14-7, 14-9, 14-11, 19-44, 19-104, A3-2, A3-6, A3-7 General Contractor Fee ... 5-1, 5-14, 5-15, 5-48 Inspection Fee ...... 3-3, 7-46, 8-41, 12-7, 12-14, 12-39, 13-22, 13-38, 13-39, 18-6, A3-3, A3-5, A4-22, A4-23, A12-1 Late Charge Provisions ................................. 11-14 Loan Fee ........... 3-4, 11-10, 11-11, 13-23, 14-2, A3-19, A3-20 Maximum Fees for Section 223(a)(7) Loans ................................................................ 11-10

Syndicator and Investor Fees ..................... 14-14 FHA Approved FHA Approved .......................... 1-1, 1-2, 1-4, 2-16 FHEO Noncompliance FHEO Noncompliance .................................... 12-31 Filled Ground ............................................................. 9-56 Final Advance Final Advance ....... 1-3, 4-8, 8-46, 12-17, 12-18, 12-19, 19-14, 19-15, 19-16, 19-17, 19-19, 19-72, 19-73, 19-74 Release of Final Advance .............................. 19-16 Requirements for Final Advance ............... 19-17 Final Closing Procedures Problems Leading to Default .................... A12-14 Projects Experiencing Difficulties Before Final Closing .......................................................... A12-14 Final Endorsement Construction Contingency ......... 3-13, 5-1, 5-55, 8-47, 8-48, 8-50, 11-7, 12-21, 12-29, 12-30, 12-34, 12-35, 12-40, 19-16, A12-6 Final Endorsement of the Note ................. 19-16, 19-70, 19-84 Title Evidence at Final Endorsement ...... 19-70 Final Loan Closing................................................. 19-14 Final Loan Closing ........................................... 19-14 Financial Factors ........ 5-51, A5-22, A5-23, A5-40, A5-42, A5-50, A5-51 Financial Statements Existing Project Financial Statements ....... 8-16 Financial Statement Analysis ......................... 8-15 Financial Statements–New Construction .................................................... 8-15 Review of Financial Statements.................... 8-17 Fire protection Fire Protection Provisions for New Construction ................................................. A5-20 Fire Protection Fire Doors................................. 5-28, A5-21, A5-29 Fire Protection ....................... 5-18, A5-18, A5-20 Firewalls ..................................................... 2-10, 5-28 Smoke Detectors .....................................5-3, A5-20 Sprinklers ............................................................... 5-28 Firm Application Section 223(a)(7) Firm Application........... A4-7

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Section 223(f) Firm Application .................. A4-3 Firm Commitment Amendment to the Firm Commitment ....... 3-1, 5-57, 8-12, 11-4, 11-8, 14-14, 19-29 Architectural Documents for Firm Commitment ................................................. A5-21 Attachments to Firm Commitment ........................................ 5-22, 5-41 Firm Commitment Condition ..................... 19-51 Firm Commitment Cost Package .................. 5-51 Firm Commitment Drawings And Specifications ................................... 5-18, A5-25 Firm Commitment Review ....... 1-1, 8-17, 10-8, 11-7, 13-27 Firm Commitment, All Bond Documents..................................................... 19-49 Maximum Loan Term........................................... 3-2 Modifications to the Firm Commitment .................................................... 5-23 Reopening .............. 4-2, 4-3, 11-8, 11-10, 13-39, A4-22, A4-23, A13-1 Reprocessing for Rate Increase ................. 19-30 Required Exhibits for New Construction ................................................. A5-21 Required Exhibits for Substantial Rehabilitation ............................................... A5-22 Requirements for Issuing a Firm Commitment .................................................... 5-23 Firm Commitment Application Firm Commitment Acceptance and Rate Lock .............................................................. 4-2 Rejection of the Firm Commitment Application .................................................... A4-18 Firm Commitment Application (MAP) Invitation for Firm Application ....................... 4-4 Processing through Firm Commitment .................................................... 5-24 Firm Commitment Drawings and Specifications ........................................ 5-18, A5-25 Firm Commitment Exhibits Required Exhibits for New Construction ................................................. A5-21 Required Exhibits for Refinance or Acquisition .................................................... A5-24

Required Exhibits for Substantial Rehabilitation ............................................... A5-22 Fiscal Procedures Fiscal Procedures .......................................3-5, 11-8 Flood Insurance ............. 3-31, 3-32, 9-3, 9-4, 9-12, 9-40, 9-41, 9-42, 9-43, 9-44, 9-45, 18-5, 18-6, 19-59, A7-14 Foreclosure ..... 2-15, 7-17, 7-18, 7-31, 7-55, 8-25, 8-26, 8-27, 8-54, 9-39, 12-10, 12-11, 14-13, 14-17, 19-21, 19-47, 19-48, 19-100, 19-104, A2-24, A8-20, A8-24, A8-25, A12-11, A12-14, A12-15, A12-16, A12-19 Fracking ....................................................................... 9-56

G Gap Financing ................................................ 3-5, 19-43 General Contractor General Contractor Dispute ......................... 19-17 Level 1 and Some Level 2 Alterations Typically do Not Require a General Contractor ......................................................... 5-13 Payment Bond 3-12, 8-20, 8-50, 19-21, 19-64, 19-66, 19-67, A12-10 Payment/Performance Bond ......................... 5-49 When General Contractors are Required ............................................................ 5-15 Ginnie Mae Ginnie Mae Security ........................................... 8-51 Government Auditing Standards .................... 13-13 Grants and Loans Grants and Loans from a Government Agency or Instrumentality ......................... 8-45 Grants and Loans from a NonGovernmental Source................................... 8-46 Green and Energy Efficient Housing ..... 3-3, 3-21, A3-18, A3-20, A3-21 Green Building Certifications Not Recognized by HUD ........ 6-2 Green Building Certifications are Accepted .............................................................. 6-2 Green MIP Application for a Green MIP Rate ................. 5-10 Green MIP Application ...................................... 6-15 Green MIP Rate ............................ 5-23, 6-7, A3-18

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Lender Fee Limitation .................... A3-19, A3-20 Ground Lease Ground Lease........ 7-44, 7-49, 7-50, 7-51, 7-52, 7-54, 11-9, 11-12, 16-1, 17-4, 19-27, 19-39, A7-11, A7-12 Ground Rent Ground Rent Computation ............................. 7-53 Ground Rent During Construction ........................................ 7-49, 7-53 Guest Suite Guest Suite ..................................... 3-40, 3-41, 17-1 Guest Unit .................................................. 3-40, 3-41 Guide Provisions Non-Statutory Provisions of the Guide ........ 1-4 Statutory Provisions ..................................... 19-100

H

HAP

HAP Contract Renewal ............ 7-35, 14-4, 14-5, 14-6

HAP Contract Renewal Request and Rent Comparability Study .................................... 14-6 HAP Contract Renewals ................................... 14-4 HAP Contract Transition Reserves .......... 14-11 Rent Adjustment Requests ............................. 14-5 HAP Contract .......... 7-35, 14-4, 14-5, 14-6, 14-11, 19-31, 19-32, 19-43, 19-89, A3-20, A4-5, A4-8, A4-11, A4-15, A4-20 HEROS

Environmental Report ....... 3-10, 3-24, 4-6, 5-6, 5-23, 7-64, 9-6, 9-7, 9-10, 9-11, 9-29, 9-31, 9-33, 9-38, 9-51, 17-7, 17-9, A7-8 HUD Environmental Review Online System ......... 1-3, 3-10, 4-6, 9-1, 17-7, A2-13, A4-4, A4-10, A4-14

High Cost Factor ........................................... 5-15, A5-3 High Cost Percentage ........... 3-16, 3-25, 5-2, 8-38, 8-40, 17-5, A3-1

High-Risk Transactions ............................................ 7-1 Historic

Historic District ....... 5-38, 9-2, 9-36, 9-38, 9-39 Historic Preservation ............... 5-20, 5-38, 7-64, 9-2, 9-4, 9-6, 9-10, 9-11, 9-28, 9-36, 9-37, 9-38, 9-39, 9-40, 14-3, 16-3, A7-14

Historic Properties ........... 9-8, 9-36, 9-37, 9-38, 9-39, 9-40

Historic Property .............. 5-38, 9-6, 9-36, 9-38, 9-39

Historic Tax Credits ......... 8-8, 9-40, 13-1, 13-5, 14-16, 16-1, 16-3, A12-1, A12-2 Hold-Harmless Agreement ............................... 19-60 HOME Program .......................................... 8-25, 19-47 Hotel Service ......................................... 3-7, 3-40, 17-2 HUD Construction Responsibilities

• Construction Inspection . 2-6, 5-49, 12-4, 12-9, 12-45

HUD Construction Analyst ........ 4-6, 5-56, 12-1, 12-5, 12-10, 13-37, 13-38

HUD Construction Manager ........ 12-15, 12-47, A12-8, A12-15

Pre-Construction Conference .. 4-4, 12-2, 12-8, 12-40, 19-9, 19-11, 19-82

trip Report ...... 1-3, 4-8, 5-33, 12-1, 12-5, 12-7, 12-9, 12-10, 12-13, 12-15, 12-16, 12-21, 12-33, 12-40, 12-42, 12-44, 12-45, 12-47, 13-2, 13-3, 13-7, 13-29, 13-43, 13-44, 14-7, 19-14, 19-15, 19-73, A3-14, A12-9, A12-12

• HUD Cost Review

Cost Review Report for

Pre-Application ............................................ A5-60 HUD Cost Review .............. A5-60, A5-62, A5-63, A5-64 HUD Custom Statement of Energy Design Intent (SEDI) HUD Custom Statement of Energy Design Intent ....................................... 5-27, 6-13 SEDI ............................. 5-27, 6-9, 6-10, 6-12, 6-14 HUD Handbook 4000.1, Single Family

Housing Policy ..................................................... A2-1 HUD Inspection Fee .............. 3-3, 8-41, A3-3, A3-5 HUD Inspector Offsite Fabricated Construction .................... 12-5 HUD Processing Environmental Review ................. 1-5, 2-6, 3-10, 3-21, 3-30, 4-6, 5-5, 5-25, 5-29, 5-33, 5-35, 5-37, 5-38, 7-4, 7-40, 7-64, 7-65, 9-1, 9-2, 9-3, 9-4, 9-5, 9-6, 9-7, 9-8, 9-9, 9-10, 9-11,

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9-13, 9-24, 9-25, 9-48, 9-50, 9-53, 9-57, 12-22, 18-5, 19-12, A4-13, A4-17, A4-18

HEROS ........ 1-3, 1-5, 3-10, 3-21, 4-6, 5-6, 5-23, 5-33, 7-40, 7-43, 7-64, 7-65, 9-1, 9-3, 9-4, 9-5, 9-6, 9-7, 9-8, 9-9, 9-10, 9-11, 9-13, 9-18, 9-25, 9-29, 9-31, 9-34, 9-37, 9-38, 9-48, 9-50, 9-51, 9-55, 9-57, 17-7, 18-5, A2-13, A4-4, A4-10, A4-14

HUD Construction Administration Period ........................................................ 4-4, 12-1 HUD Must Approve the Initial and Final Construction Draws ......................................... 4-8 Risk-Based Processing ........................................ 4-6 Servicing ....... 1-2, 1-3, 2-3, 2-8, 2-11, 3-8, 3-30, 4-1, 4-6, 4-8, 5-6, 5-33, 8-49, 11-2, 11-8, 11-10, 13-35, 15-1, 19-12, 19-13, 19-22, A2-1, A2-2, A2-3, A2-4, A2-5, A2-7, A2-8, A2-9, A2-24, A4-20, A5-26, A5-43

Site Visits by the Appropriate HUD Staff ..... 4-1 Standard Processing ........ 1-5, 5-35, 5-38, 14-1, 18-1

HUD Review Appraiser ................ 7-1, 17-11, A7-1, A7-2, A7-3, A7-4, A7-5, A7-6

HUD Standard ....... 2-1, 5-8, 5-28, 9-1, 9-46, 9-50, A2-18, A5-33 HUD Underwriter Assigning a MAP Approved Underwriter for the Pre-Application ............................... 11-1 Underwriting Recommendation ......... 2-5, 11-7 Upon Issuance of a Firm Commitment, the HUD Underwriter Must ....................... 11-8

I