are monthly mortgage insurance premium payments submitted by lenders and service
can be submitted online using the FHA Connection
or through CPU to CPU batch file transmissions. For lenders with a portfolio of
3,000 cases or less, the FHA Connection provides a list of billed cases for which
payment can be made. A new list of cases is provided on or about the 17th day
of each month. Lenders with a portfolio of over 3,000 cases do not get a list
of cases for payment on the FHA Connection. High volume lenders can use the CPU
to CPU batch file transmission method of payment. Lenders can also manually enter
cases for payment on the FHA Connection whether or not a list of cases is provided.
are monthly mortgage insurance premium payments collected by HUD?
a secure government-wide collection portal managed by the Financial Management
Service bureau of the U.S. Department of the Treasury is used by HUD to collect
monthly mortgage insurance premium payments. Pay.gov processes
a payment electronically (electronic funds transfer or EFT) through the Automated
Clearing House (ACH) using a checking account debit. The Federal Reserve Bank
of Cleveland, which maintains the Pay.gov system, is used for the ACH debit.
do I get set up to make online monthly premium payments via the FHA Connection?
Getting Started - Monthly (Periodic) Premium Payments via
do I get set up for CPU to CPU batch file transmissions?
Getting Started - Monthly (Periodic) Premium Payments via
do I report a change in our public Internet Provider (IP) address?
Reporting a Public Internet Provider (IP) Address Change
on the Monthly (Periodic) Mortgage Insurance Premium Batch Payment Processing
Instructions for CPU to CPU Transmissions page.
can payments be made?
Connection online payments can be made on business days between the hours of 8
a.m. and 8 p.m. ET. Batch file payments can be transmitted to HUD, CPU to CPU,
at any time. However, they are only processed during business hours. The Federal
Reserve Bank of Cleveland Holiday Schedule is observed.
is the received date of a payment?
the payment was received by HUD on or before 8 p.m. ET, the received date is the
same date the payment was sent. If the payment transaction was received after
8 p.m., the received date is the next business day. Note: Late and interest
charges are based on this date.
do I verify and track an online or batch file payment?
a payment is received by HUD, an email notification is sent to the lender's Single
Family Premium - Periodic contacts specified via Cash Flow Account Setup
for on the FHA Connection's Lender Functions menu. If a transmitted batch
file is rejected because of a format or control total issue, the lender's technical
contact receives an email notification. See further
information on lender contacts.
Payment History function on the FHA Connection's Monthly Premiums
menu provides the status of online and batch file payments. A Microsoft® Excel®
spreadsheet file can be downloaded containing the details of an online payment
submitted within the current billing period. The Batch File Transmissions
function on the FHA Connection's Monthly Premiums menu provides a list
of batch files sent within the current billing period, including rejected files
and rejection reasons.
do I contact if there is a problem transmitting a batch file payment?
the HITS Help Desk.
am I notified if there is a problem in getting my payment settled?
HUD receives a payment failure from Pay.gov, an email notification is sent to
the lender's contacts specified via Cash Flow Account Setup on the FHA
Connection's Lender Functions menu. (See further
information on lender contacts.) The Payment History function on the
FHA Connection's Monthly Premiums menu displays a payment status of Failed.
sent a payment using the wrong case numbers. How do I get the money on the
that the money from the payments on the incorrect case numbers be reallocated
to the correct case numbers. Money from one case may be reallocated to one to
three other cases. See reallocation questions and answers
for further information.
payment was sent using the wrong mortgagee ID. How can I get this corrected?
must submit an email request to Single
Family Insurance Operations Branch, Lender Assistance Section.
The request must include:
for correcting the remitting mortgagee ID |
and ID of correct mortgagee|
and ID of incorrect mortgagee under which remittance was submitted|
Tracking ID or Pay.gov Tracking ID|
case numbers included in the payment (if necessary)|
remittance was for the wrong amount. What do I do now?
the incorrect amount was an overpayment, the overage amount will be applied to
future bill(s); if you prefer, you may request the overage be refunded or reallocated
to another case. See refund questions and answers or reallocation
questions and answers for further information.
the incorrect amount was an underpayment, you must remit the difference immediately
in order to avoid penalties.
paid to the wrong collection system. How can I get my payment to the correct
cannot be transferred from one collection system to another. You must request
a refund for the incorrect payment and remit another payment to the correct system.
Please see refund questions and answers for further information.
do I change or delete a transaction that has already been transmitted?
payment transaction cannot be changed or deleted after it is transmitted. Be extra
cautious and double check the entry before transmission. If an overpayment occurred,
you may request a refund or reallocation.
If an underpayment occurred, pay the difference. If a correction needs to be made,
contact a Periodic Lender Representative.
do I change the bank account number (cash flow account) debited for the payment
of monthly premium?
Cash Flow Account Setup on the FHA Connection's Lender Functions
menu. For further instructions on Cash Flow Account Setup, see the FHA
Connection Guide at: https://entp.hud.gov/pdf/mp_paygov.pdf.
initiated a transaction but my account has never been debited. What do I do now?
the Payment History function located on the FHA Connection's Monthly
Premiums menu to verify that the payment was actually sent or, if it was sent,
determine its status. A Microsoft® Excel® spreadsheet file can be downloaded
containing the details of an online payment submitted within the current billing
isn't my lending institution listed on the FHA Connection for our service bureau
when it attempts to process a payment or get payment information?Your
lending institution has not granted the service bureau access rights to the FHA
Connection's monthly premium payment functions. For instructions on service bureau
authorizations, see the FHA
Guide at: https://entp.hud.gov/pdf/mp_gs5_srvcbur.pdf
doesn't my lending institution have any cases listed when Update or View Payment
is processed on the FHA Connection?
Your lending institution has over
3,000 cases in its portfolio. A list is not provided for high volume lenders.
However, you can submit batch files to HUD, CPU to CPU, or manually enter cases
using Add Cases to Payment located on the FHA
Connection's Monthly Premiums menu.
Are payments re-presented
for payment if there are insufficient funds?
No. The payment is given
a status of Failed.Can
a payment be warehoused?
However, payment warehousing is planned for the future.
happens if I make a payment for a case for which HUD has a different servicing
lender on record?
changes the servicing lender for the case to your lending institution in its records.
This servicer change occurs only for an active or nonendorsed case. The Lender
Notification report file notifies the new and prior servicing lenders of the
payment. The Advance Notices report file generated at
the beginning of the month provides lenders with the cases that were transferred
to their portfolios in the prior month. The servicer on record in HUD's SFPCS
Periodic system at the time the bill is generated, is
billed for the case that month.