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HUD   >   Program Offices   >   Housing   >   Comp   >   Premiums   >   HUD Reconciliation Layout
Reconciliation Layout

The Reconciliation report file provides information about your FHA cases that are unreconciled from the prior billing period. The file is generated monthly at billing, so all information is current for the billing period. The report file is available to users by the 17th of the month and remains available for three months on the FHA Connection.

Field Name Length Type Start Position Picture Description
Mortgagee ID 5 Alphanumeric 1 X(5) Lender on record in HUD's Single Family Monthly Premium Collection System - Periodic (SFPCS-P) as servicing the case when the report file was created. First five digits of the FHA's unique 10-digit identifier assigned to the servicing lender.
FHA Case Number 10 Alphanumeric 6 X(10) Unique 10-digit identifier assigned to the FHA loan by HUD. The first two positions identify the state where the property is located, the third position identifies the HUD Field Office territory in which the property is located, the next six positions identify the serial number, and the final position is the check digit.
Billing Period 6 Alphanumeric 16 YYYYMM Month and year the file is generated.
Error Code 3 Alphanumeric 22 X(3) Code representing the reason the case has a discrepancy.
M01 - Overpayment
M02 - Underpayment
M20 - Nonendorsed
M21 - Non-billable case
Past Premium Billed 7 Numeric 25 9(5)V99 Premium billed for the previous month.
Past Interest Billed 7 Numeric 32 9(5)V99 Interest billed for the previous month.
Past Late Billed 7 Numeric 39 9(5)V99 Late charge billed for the previous month.
Current Premium Chgs Sign 1 Alphanumeric 46 X(1) Positive or negative indicator ("+" or "-") for the current premium charge.
Current Premium Chgs 6 Numeric 47 9(4)V99 Current premium charge generated for this billing period.
Current Interest Chgs Sign 1 Alphanumeric 53 X(1) Positive or negative indicator ("+" or "-") for the current interest charge.
Current Interest Chgs 6 Numeric 54 9(4)V99 Current interest charge generated for this billing period.
Current Late Chgs Sign 1 Alphanumeric 60 X(1) Positive or negative indicator ("+" or "-") for the current late charge.
Current Late Chgs 6 Numeric 61 9(4)V99 Current late charge generated for this billing period.
Premium Paid/Applied 7 Numeric 67 9(5)V99 Amount paid and/or applied to the monthly premium charges owed.
Interest Paid/Applied 7 Numeric 74 9(5)V99 Amount paid and/or applied to the interest charges owed.
Late Paid/Applied 7 Numeric 81 9(5)V99 Amount paid and/or applied to the late charges owed.
Total Premium Due 7 Numeric 88 9(5)V99 Sum of all premiums due this billing period.
Total Interest Due 7 Numeric 95 9(5)V99 Sum of all interest charges due this billing period.
Total Late Due 7 Numeric 102 9(5)V99 Sum of all late charges due this billing period.
Unapplied Before Current  Bill 7 Numeric 109 9(5)V99 Overpayment for the case prior to billing. Unapplied amount AFTER billing will be available on the Bill.
Mortgagor Name 22 Alphanumeric 116 X(22) Name of the current borrower (homeowner).
Mortgagor Street 19 Alphanumeric 138 X(19) Street address of the property.
Mortgagor City 18 Alphanumeric 157 X(18) City in which the property is located.
Mortgagor State 2 Alphanumeric 175 X(2) State in which the property is located.
Mortgagor Zip 9 Alphanumeric 177 X(9) Zip code within which the property is locate.
Termination Date 8 Alphanumeric 186 YYYYMMDD Date the mortgage insurance was terminated or canceled, and represents the date through which monthly insurance premium was assessed on the case.
Status 1 Alphanumeric 194 X(1) Current status of the case
A = Active Insurance Status
C = Claim Termination
T = Non-claim Termination
Exempt Indicator 1 Alphanumeric 195 X(1) Indicates whether or not the loan is exempt from Risk-Based MIP payments; N/A for Section 530 (Bill Types 1 and 2).
Values Y=Yes, N=No.
Section of the Act 4 Alphanumeric 196 X(4) ADP code representing the section of the National Housing Act under which the case is insured.
Original Mortgage Amount 7 Numeric 200 9(7) Amount of the principal obligation stated on the mortgage (or other security instrument); includes upfront mortgage insurance premium (UFMIP), if UFMIP is financed.
Mature Date 6 Alphanumeric 207 YYYYMM Month and year the loan matures.
Term 3 Numeric 213 9(3) Length of the loan in months, from the beginning of loan amortization until maturity.
Interest Rate 5 Numeric 216 99V999 Original interest rate of the loan.
Begin Amort Date 6 Alphanumeric 221 YYYYMM Month and year the loan amortization starts.
Bill Type 1 Alphanumeric 227 X Type of premium billing for the loan based on the Single Family FHA program.
1 or DEF = Deferred (Section 530)
2 or ADV = Advanced (pre-Section 530)
4 or RB = Risk-Based
Current Annual MIP 7 Numeric 228 9(5)V99 Current calculation of the annual Mortgage Insurance Premium (MIP) for the loan.
Loan To Value Ratio 5 Numeric 235 999V99 Original loan to value (LTV) ratio.
Premium Rate 3 Numeric 240 9V99 Percentage the unpaid loan balance is multiplied by for the calculation of annual or monthly premium. For example, a value of 150 is 1.50% or .015. A value of 025 is 0.25% or .0025.
Upfront Factor 5 Numeric 243 V9(5) Factor used to calculate the upfront premium as a percentage of the base loan amount.
Percent Financed 5 Numeric 248 999V99 Percentage of the upfront premium that was added to the base loan amount and financed by the lending institution.
Billing Years 3 Numeric 253 9(3) Number of years the monthly premium will be billed for the loan (the value is expressed in whole years only; partial years are rounded to the next whole year). Value is zero (0) when not applicable.
Monthly P & I 6 Numeric 256 9(4)V99 Monthly principle and interest due on the loan.
Endorsement Date 8 Alphanumeric 262 YYYYMMDD Date the loan was endorsed or approved for mortgage insurance.
Loan # (Current)
MIN # (Future)
18 Alphanumeric 270 X(18) Identifier for the mortgage.

Loan Number: Number assigned to the mortgage loan by the lender. Note: This number must be sent monthly with the monthly premium payment for the case in order for it to be displayed here.

MIN: Mortgage identification number (future use).

Total Record Length: 287

For the Alternate Report Retrieval process (secure file transfer process), see also Header and Trailer Records.