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Fha financing addendum

Utah fha addendum 2026

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The FHA/VA Loan Addendum is a legal document that modifies the Real Estate Purchase Contract (REPC) between a buyer and seller regarding a property purchase. It outlines terms related to Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) loans, including buyer occupancy intentions, appraisal conditions, seller obligations for repairs, pest control requirements, and potential seller contributions towards loan costs. The addendum ensures compliance with applicable laws and specifies that any conflicting provisions in the REPC are overridden by this addendum.

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Click ‘Get Form’ to open the Utah FHA Addendum in the editor.
Begin by filling in the Offer Reference Date and the names of the Buyer and Seller at the top of the form. Ensure all details are accurate.
In Section 1, indicate whether the Buyer intends to occupy the Property by checking the appropriate box.
Review Section 2 carefully. This section outlines conditions under which the Buyer is not obligated to complete the purchase. Make sure to understand these terms before proceeding.
In Section 3, specify any appraisal required repairs that Seller must make, ensuring you enter a maximum cost limit.
Complete Section 5 regarding Seller contributions towards Loan Costs. Check the applicable box and enter any amounts as necessary.
If applicable, fill out Section 6 for FHA certification, confirming that all terms are true to your knowledge.
Finally, ensure both Buyer and Seller sign and date at the bottom of the form before submission.

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Where can I find the FHA amendatory clause?

WARNING: Section 1010 of title 18, U.S.C.

Which of the following is required by FHA?

Minimum eligibility requirements for FHA loan borrowers are as follows: Minimum credit score: To qualify for an FHA loan, borrowers typically need a minimum credit score of 580 to make a down payment of 3.5%. Borrowers with credit scores between 500 and 579 may still be eligible if they make a larger down payment.

Is an FHA amendatory clause required?

The amendatory clause is a required clause in any FHA loan contract and is included to protect buyers from paying more for a home than it is worth.

What is the FHA limit for 2025 in Utah?

For 2025, the FHA loan floor is $524,225 and the ceiling is $1,209,750 for one-unit properties, with loan limits in several Utah counties falling between these amounts.

What is the purpose of an FHA addendum?

The essential purpose of the FHA and VA amendatory/escape clauses is to give the buyer the right to terminate the sales contract if the sales price exceeds the appraised value of the Property.

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What is the FHA amendatory clause 2025?

The FHA amendatory clause protects homebuyers from being locked into a purchase if the home appraises for less than the agreed price. This way, buyers may renegotiate or walk away with their earnest money fully refunded.