HUD Handbook 4000.1 II.A.4: Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL)

Document

HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook

Version in Zeitro Strata

August 12, 2026

Where

page 225 of 1872

Official text

HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook on the FHA website

Page 225

4. Underwriting the Borrower Using the TOTAL Mortgage Scorecard (TOTAL)

Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.