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.