What the addendum adds to the application
The Uniform Residential Loan Application collects facts. It does not, on its own, carry the certifications that FHA and VA require from the borrower, the lender and the underwriter. The 92900-A carries them. Reading it as “more application” is the mistake that produces most of the findings against it.
Four things live on the addendum that live nowhere else in the file:
- The borrower’s certifications about occupancy, outstanding federal debt, and the truthfulness of the application.
- The lender’s certification about the origination and the accuracy of the information submitted.
- The Direct Endorsement underwriter’s approval of the loan, signed personally with their CHUMS identification.
- Notices and disclosures FHA requires be delivered with the application.
Signature timing is the control
Certifications are only worth anything as of the date they were made. FHA has long required the borrower to execute the addendum both at initial application and again at closing, so that what the borrower certified is current when the loan funds. An addendum with only an application-date signature is the single most common finding on the form.
Practical consequences a reviewer should test:
- Both borrower executions present, each dated, with the closing execution dated on or about the closing date.
- Every borrower on the note has signed, not only the primary.
- The lender certification is executed by a person authorized to make it.
- The DE underwriter signature and CHUMS identification are present and legible, and the approval is dated on or before closing.
- Where the loan was scored by an automated system, the file reflects the correct underwriting path and the corresponding approval evidence.
Reconciliation against the rest of the file
The addendum repeats key loan terms, which makes it a useful consistency probe. Compare it field by field, and treat a difference as a finding to be explained rather than a typo to be ignored.
| Field on the addendum | Compare against | Why it matters |
|---|---|---|
| Loan amount | Final URLA, note, Closing Disclosure | A mismatch can mean the approval covered a different loan |
| Interest rate and term | Note and Closing Disclosure | The underwriter approved specific terms |
| Property address | Appraisal, title, security instrument | Identifies the subject the approval applies to |
| Borrower names | Note, security instrument, identification | Certifications must come from the obligors |
| Occupancy statement | Occupancy evidence and the appraisal | A recurring source of misrepresentation findings |
| Case number | FHA case assignment | Ties the file to the correct FHA case |
What post-closing QC tests
- The addendum is present, complete, and the current form version.
- Borrower signatures at both required points, with dates that make sense against the closing date.
- DE underwriter approval signed with an identifiable CHUMS number.
- Lender certification executed by an authorized person.
- Terms reconcile to the note and the Closing Disclosure, with any difference explained on the record.
- Occupancy certification consistent with the occupancy evidence elsewhere in the file.
- Required notices delivered, with evidence of delivery where the program requires it.
Common defects
| Condition | Typical severity | Why |
|---|---|---|
| Missing borrower execution at closing | Material | Certifications are not current as of funding |
| No DE underwriter signature or CHUMS identification | Material | The endorsement approval cannot be attributed |
| Loan terms disagree with the note | Material until explained | The approval may not cover the closed loan |
| Occupancy certification contradicts file evidence | Material | Potential misrepresentation, escalate rather than condition |
| Obsolete form version used | Low to moderate | Certification language may not match current policy |
| Missing signature from a non-primary borrower | Moderate to material | Depends on whether that borrower is an obligor |
For the disclosure timing questions that usually accompany these findings, read TRID timing requirements. For the review sequence, the post-closing QC checklist.
Keep decisions human and evidence explicit.
Translate guidance into a review record that preserves what happened, who decided, and which source controlled.
Confirm requirements against current source material.
Requirements and vendor capabilities change. These sources were reviewed July 31, 2026. Confirm current source material, product scope, commercial terms, and your approved QC plan before changing a production process.
What mortgage teams usually ask.
What is HUD Form 92900-A?
It is the HUD/VA Addendum to the Uniform Residential Loan Application. It attaches to the URLA on FHA and VA transactions and carries the certifications that the loan application itself does not: borrower certifications, lender certifications, and on FHA loans the Direct Endorsement underwriter's approval.
When does the borrower sign it?
FHA policy has long required the borrower to execute the addendum at initial application and again at closing, so that the certifications are current as of the closing date. Confirm the requirement in the current Single Family Housing Policy Handbook 4000.1 before setting a procedure, because the handbook is the controlling text.
Who signs the Direct Endorsement approval?
The Direct Endorsement underwriter, personally, with their CHUMS identification. This is not a delegable clerical signature, and an approval without an identifiable DE underwriter is a serious file defect.
Does the addendum have to match the final 1003 and the note?
Yes. The loan amount, interest rate, term, and property information on the addendum should agree with the final application, the note and the Closing Disclosure. Disagreement among them is one of the most common findings on FHA files.