How to Fill Out and Submit the FHA Borrower Acknowledgement Form (92700-A)

The FHA borrower acknowledgement form is HUD-92900-B, a one-page disclosure your lender hands you when you apply for a mortgage insured by the Federal Housing Administration. You read it, sign it, return one copy to the lender, and keep one for yourself.¹ Your signature confirms you received HUD’s warnings about loan fraud, property condition, interest rates, prepayment rights, and mortgage insurance premium refunds. It is not a loan application and it does not create the debt; it documents that you were told what an FHA-insured loan does and does not promise.

When You Receive the Form

Your lender must give you HUD-92900-B at the time you apply for the loan, not at closing.¹ The point is to shape your expectations before underwriting begins. If your loan officer hasn’t produced it early in the process, ask. Read it through before you sign, because your signature is the acknowledgement that you understood every disclosure on the page.

What You’re Acknowledging When You Sign

Apart from your signature, the date, and a space for your FHA case number, there are no blanks to fill in. The body of the form is a series of disclosures from HUD.

Property Condition and Appraisal

HUD and the FHA do not approve or warrant the condition or value of the home you are buying. An FHA appraisal estimates value; it is not a home inspection and does not certify that the house is free of defects.¹ If you want assurance about the physical condition of the property, hire a private home inspector.

Interest Rates and Discount Points

HUD does not set interest rates or discount points on FHA loans. You negotiate them with your lender, and the lender must give you a written lock-in agreement covering at least 15 days before closing.¹ Any claim that “FHA sets the rate” is wrong, and the form says so.

Prepayment

You can pay off any or all of an FHA-insured mortgage at any time without a prepayment penalty. One caveat on timing: if the servicer’s payoff policy requires payment on the installment due date (typically the first of the month), a payoff sent on any other day may still accrue interest through the end of that month.¹ Ask your servicer about its payoff-date policy before wiring funds.

Mortgage Insurance Premium Refunds

FHA loans carry an upfront mortgage insurance premium. After 84 months (seven years), no refund is due to you. If you sell or refinance before that mark, you may qualify for a partial refund. The form tells you to contact your mortgage company if you have not received a refund application within 45 days of paying off the loan, and to follow up with HUD directly if you hear nothing within 60 days of mailing that application.¹

The Fraud Warning and Criminal Penalties

The largest section of the form is a warning about mortgage fraud. It lists specific prohibited acts: falsifying income or assets, hiding debts, providing fake gift letters or cash-on-hand statements, accepting undisclosed down-payment funds from a seller or agent, falsely certifying you will live in the home as your primary residence when you plan to rent it out, acting as a “straw buyer” for someone else, assuming another person’s identity on an application, and signing blank or incomplete documents.¹

The occupancy certification catches more borrowers than any other item on the list. FHA-insured loans are designed for homes you intend to live in. Buying with an FHA loan and immediately renting the property out is fraud, and HUD calls it out on this form.

Two federal criminal statutes are in play. Under 18 U.S.C. § 1001, knowingly making a false statement to the federal government carries up to five years in prison.² A harsher statute, 18 U.S.C. § 1014, targets false statements made specifically to influence the FHA and other federal lending institutions; it carries up to 30 years in prison and a fine of up to $1,000,000.³ The form also warns of a fine of up to $10,000 and an indefinite ban from future FHA-insured loans.¹

Your FHA Case Number

The form has a space for your 10-digit FHA case number, which the lender assigns when your application is entered into HUD’s system. The first two digits represent the state, the third identifies the HUD field office territory, the next six are a serial number, and the final digit is a check digit.⁴ Write it in the space provided and store it somewhere you can find later. You will need it for any future correspondence with HUD about premium refunds, payoff inquiries, or servicing questions.¹

Signing, Submitting, and Keeping Your Copy

The form has four signature lines so multiple borrowers on the same loan can sign one copy. Each borrower signs and dates it. In most transactions the loan officer presents HUD-92900-B alongside the initial application paperwork and you sign in the same sitting.

Electronic signatures are valid. Under the Electronic Signatures in Global and National Commerce Act, a signature or record cannot be denied legal effect solely because it is in electronic form.⁵ Most lenders route the form through a secure e-signature platform as part of the digital loan package. If your lender uses paper, sign in ink.

You do not submit the form to HUD yourself. The lender adds the signed copy to your loan file. If HUD or an auditor later needs to verify the acknowledgement, the lender pulls it from that file.

Keep your own copy. It is your proof that the lender gave you the required disclosures, and it carries the FHA case number you will need if you apply for a mortgage insurance premium refund after payoff. Because the MIP refund window can extend years into the loan, hold onto the document for the life of the mortgage and beyond.

1
U.S. Department of Housing and Urban Development. Important Notice to Homebuyers (HUD-92900-B)
2
Office of the Law Revision Counsel. 18 USC 1001 – Statements or Entries Generally
3
Office of the Law Revision Counsel. 18 USC 1014 – Loan and Credit Applications Generally
4
U.S. Department of Housing and Urban Development. Case Number Assignment Update Page – Field Descriptions
5
Office of the Law Revision Counsel. 15 USC 7001 – General Rule of Validity