FHA Just Killed Form HUD-92900-B: What Florida Closings Look Like Now
Published July 26, 2026 at 9:00 AM ET · Joe Pistone & Team
HUD has rescinded Form HUD-92900-B, the "Important Notice to Homebuyers" that lenders were required to provide and collect a signed copy of on every FHA loan. The change, issued in Mortgagee Letter 2026-07 and effective immediately, removes a standalone form from the FHA closing stack in Florida — meaning one less piece of paperwork for buyers to review and sign, without changing anything about the loan itself.
What actually changed
Per HUD Mortgagee Letter 2026-07, dated June 23, 2026 and effective immediately:
- Mortgagees are no longer required to provide or obtain an executed Form HUD-92900-B on FHA Title II single-family forward mortgage transactions.
- HUD's stated reason: the form largely duplicated disclosures already required under the Truth in Lending Act (TILA), and had fallen out of alignment with current FHA policy.
- This permanent rescission follows a temporary HUD waiver of the same requirement issued November 19, 2025 — this letter makes that waiver permanent.
- The change is part of a broader federal regulatory burden-reduction effort tied to the January 20, 2025 executive order on reducing unnecessary paperwork in mortgage lending.
- HUD will reflect the rescission in the next update to Handbook 4000.1, FHA's single family housing policy handbook.
Why HUD says this form had to go
HUD's own reasoning in the mortgagee letter is straightforward: Form HUD-92900-B repeated information borrowers already receive through TILA-required disclosures, creating redundant paperwork without adding new protection. Removing a duplicate disclosure doesn't reduce what a Florida buyer is told about their loan — it removes a second copy of information delivered through a different form.
Wondering how this shows up on your specific FHA closing?
Every lender's closing package looks a little different as these updates roll out. Let's walk through your file and your timeline directly — not just the headline change.
Schedule a Call With Joe Call Joe: (941) 260-3051What Florida FHA buyers should actually expect at closing
Assuming a typical Florida FHA purchase closing this summer: expect a slightly shorter closing disclosure stack, since one standalone form is no longer part of the required paperwork. Your TILA disclosures, loan estimate, and closing disclosure all remain exactly as required — this rescission doesn't touch any of FHA's actual underwriting or disclosure standards, only an administrative form that repeated information you were already receiving elsewhere. If your closing agent or lender still has you signing something labeled HUD-92900-B, ask why — it may simply be a forms-update lag rather than anything about your loan.
This is a paperwork-and-process change, not a change to FHA loan limits, credit requirements, or down payment guidelines. For what does still vary by location in Florida, see our 2026 FHA loan limits by Florida county guide.
Does this affect condo or multi-unit FHA closings too?
Yes — the mortgagee letter's distribution list covers all FHA Title II single-family forward mortgage transactions, which includes condo and 2-4 unit purchases financed with FHA. Condo project approval requirements and the appraisal process for those transactions are unaffected; only the 92900-B form requirement is removed. Our recent post on HUD's FHA appraisal quality-control update covers a separate but related 2026 paperwork-reduction change worth knowing alongside this one.
What to ask your lender or closing agent right now
| Question | Why it matters |
|---|---|
| Has your closing package already been updated to drop Form HUD-92900-B? | Some lenders and title companies adjust forms packages faster than others after a mortgagee letter. |
| Are my TILA disclosures unaffected? | Yes — this rescission only removes the duplicate FHA-specific form, not any TILA-required disclosure. |
| Does this change my closing timeline? | Not directly — it's a paperwork simplification, not a processing or underwriting change. |
What this doesn't change
This is an administrative rescission of one disclosure form — it has no effect on FHA's minimum property standards, credit score guidelines, debt-to-income requirements, mortgage insurance premium structure, or down payment minimums. Treat it as a small, genuine paperwork win rather than a signal that FHA underwriting itself has loosened.
Frequently Asked Questions
What is Form HUD-92900-B and why was it rescinded?
Form HUD-92900-B, the "Important Notice to Homebuyers," was an FHA-specific disclosure that largely duplicated information already required under the Truth in Lending Act. HUD rescinded the requirement to use it in Mortgagee Letter 2026-07, effective June 23, 2026, as part of a broader paperwork-reduction effort.
Does this mean I get fewer disclosures on my FHA loan?
No — you still receive all TILA-required disclosures, your loan estimate, and your closing disclosure. Only the duplicate FHA-specific form was removed; the underlying information was never unique to that form.
Will my FHA closing be faster because of this change?
It may involve marginally less paperwork to review and sign, but HUD's letter doesn't promise a specific timeline change. Ask your lender or closing agent how their process has adjusted.
Does this apply to FHA condo and multi-unit purchases in Florida?
Yes, the mortgagee letter covers all FHA Title II single-family forward mortgage transactions, which includes condo and 2-4 unit financing. Condo project approval and appraisal requirements are unaffected.
Do I need to do anything differently because of this change?
No action is needed on your end. Your lender and closing agent handle which forms are included in your closing package — this change simply means one fewer duplicate form appears in that stack going forward.
Source: HUD Mortgagee Letter 2026-07, Rescission of Form HUD-92900-B Requirement (June 23, 2026).
Ready to Talk Through Your Florida FHA Closing?
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Schedule a Call With Joe Call Joe: (941) 260-3051