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Assumption


	Information by State Print version

The Assumption function allows a user to process a mortgagor assumption for a selected case. Assumptions should be reported for update as soon as possible.

History of Changes

Date	Description
11/13/2003	Initial code Implemented
05/14/2004	Added OtherLoanPurposeDescription Added UNDERWRITINGCASE Added CounselingConfirmationType Added Co-borrower Added BorrowerType Added BorrowerBirthDate Added GOVERNMENTMONITORING data. Added EthnicityType Added BorrowerFurnished Added RaceNationalOriginType Added RaceNationalOriginTypeID

To Access the Assumption function on the pilot system post your data to:
https://hwvauwd491.hud.gov/b2b/sfis/a43asmxml.cfm

To Access the Assumption function in production post your data to:
https://entp.hud.gov/b2b/sfis/a43asmxml.cfm

Example Input File

<?xml version='1.0' standalone='yes'?>
<MORTGAGEDATA MISMOVersionID='1.0.1'>
   <PROCESSSTATUS>
     <ProcessStatusRequestor>SENDER</ProcessStatusRequestor>
   </PROCESSSTATUS>
   <APPLICATION>
     <AgencyCaseIdentifier>011-4112616</AgencyCaseIdentifier>
     <BaseLoanAmount>72500</BaseLoanAmount>
     <OtherLoanPurposeDescription>Refinance</OtherLoanPurposeDescription>
     <UNDERWRITINGCASE CounselingConfirmationType='NoBorrowerCounseling'></UNDERWRITINGCASE>
   </APPLICATION>
   <FHAVA>
     <FHAVAAssumptionEffectiveDate>20020801</FHAVAAssumptionEffectiveDate>
   </FHAVA>
   <BORROWER BORROWERID='1' BorrowerType='Occupant'>
     <UnparsedName>Cobb, Timothy A</UnparsedName>
     <SSN>466-53-3061</SSN>
     <BorrowerBirthDate>19670205</BorrowerBirthDate>
     <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' BorrowerFurnished = 'Yes' GenderType = 'Male' EthnicityType = 'Hispanic'>
       <RaceNationalOriginType RaceNationalOriginTypeID = '1'>White</RaceNationalOriginType>
       <RaceNationalOriginType RaceNationalOriginTypeID = '2'>Asian</RaceNationalOriginType>
       <RaceNationalOriginType RaceNationalOriginTypeID = '3'>NativeHawaiianPacific</RaceNationalOriginType>
     </GOVERNMENTMONITORING>
   </BORROWER>
   <BORROWER BORROWERID='2'>
     <UnparsedName>Cobb, Shara</UnparsedName>
     <SSN>466-53-3061</SSN>
     <BorrowerBirthDate>19690422</BorrowerBirthDate>
     <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='2' BorrowerFurnished = 'Yes' GenderType = 'Female' EthnicityType = 'NonHispanic'>
       <RaceNationalOriginType RaceNationalOriginTypeID = '1'>Black</RaceNationalOriginType>
     </GOVERNMENTMONITORING>
   </BORROWER>
</MORTGAGEDATA>

**End of Input Fields for Assumption**
Data Item	Valid Entries	Description
<PROCESSSTATUS> <ProcessStatusRequestor>	Up to 36 alphanumeric characters	(Required Entry) Name of LSS sending request
<APPLICATION> <AgencyCaseIdentifier>	Eleven Alphanumeric characters; first two digits identify the state where property is located, third digit identifies the Field Office where case will be processed, the fourth digit must be a dash "-", the following six digits indicate the serial number, and the final digit is a check digit.	(Required Entry) Number identifying/referencing the FHA case.
<APPLICATION> <BaseLoanAmount>	Up to six numeric characters	(Required Entry) The original mortgage amount.
<APPLICATION> <OtherLoanPurposeDescription>	ExistingOccupied RefinanceImprovements Refinance NewCondominium ExistingCondominium ExistingNeverOccupied ConstructNewHome FinanceCoop	(Required Entry) The Loan purpose of principal borrower.
<APPLICATION> <UNDERWRITINGCASE CounselingConfirmationType='value'>	NotApplicable NoBorrowerCounseling LenderTrainedCounseling ThirdPartyCounseling	(Required Entry) The Counciling code for principal borrower.
<FHAVA> <FHAVAAssumptionEffectiveDate>	YYYYMMDD	(Required Entry) Effective date of the mortgagor's Assumption.
<BORROWER BORROWERID='1' BorrowerType='value'>	Occupant Landloard EscrowCommitment Corporation/Partnership(Refi) GovernmentAgency/Non-Profit	(Required Entry) The type of principal borrower.
<BORROWER> <UnparsedName>	A twenty-two position character field that must contain a valid new Mortgagor's full name. The last name is entered, followed by the first name and middle initial(including comma).	(Required Entry) The official name of the new Mortgagor associated with the case on which the assumption is being processed.
<BORROWER> <SSN>	A eleven position character field that must contain a valid SSN in XXX-XX-XXXX format of the New Mortgagor.	If this field is not present then there must be a TIN.
<BORROWER BORROWERID='1> <UnitedStatesTaxPayerIdentificationNumber>	An eleven position character field that must contain a valid TIN.	If this field is not present then there must be a SSN.
<BORROWER BORROWERID='1'> <BorrowerBirthDate>	Birth date in the format YYYYMMDD	Required for borrower types Occupant, Landloard and EscrowCommitment.
<BORROWER BORROWERID='1'> <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' BorrowerFurnished='value'>	Yes No	(Required Entry) Indicates if race, sex and birth date/age data was furnished by the borrower.
<BORROWER BORROWERID='1'> <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' GenderType = 'value'>	Male Female	Indicates the sex of the primary borrower.
;<BORROWER BORROWERID='1'> <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' EthnicityType='value'>	Hispanic NonHispanic	Indicates the ethnicity of the primary borrower.
<BORROWER BORROWERID='1'> <RaceNationalOriginType RaceNationalOriginTypeID = '1'>	White Black AmericanIndianOrAlaskanNative NativeHawaiianPacificIslander Asian	Indicates the race of the primary borrower. Increment RaceNationalOriginTypeID for multiple races.
<BORROWER BORROWERID='2'> <UnparsedName>	A twenty-two position character field that must contain a valid new co-borrower's full name. The last name is entered, followed by the first name and middle initial(including comma).	The official name of the new co-borrower associated with the case on which the assumption is being processed.
<BORROWER BORROWERID='2'> <SSN>	A eleven position character field that must contain a valid SSN in XXX-XX-XXXX format of the co-borrower.	If this field is not present then there must be a TIN.
<BORROWER BORROWERID='2> <UnitedStatesTaxPayerIdentificationNumber>	An eleven position character field that must contain a valid TIN.	If this field is not present then there must be a SSN.
<BORROWER BORROWERID='2'> <BorrowerBirthDate>	Birth date in the format YYYYMMDD	Co-borrower's date of birth.
<BORROWER BORROWERID='2'> <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' BorrowerFurnished='value'>	Yes No	(Required Entry) Indicates if race, sex and birth date/age data was furnished by the co-borrower.
<BORROWER BORROWERID='2'> <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' GenderType = 'value'>	Male Female	Indicates the sex of the co-borrower.
;<BORROWER BORROWERID='2'> <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' EthnicityType='value'>	Hispanic NonHispanic	Indicates the ethnicity of the co-borrower.
<BORROWER BORROWERID='2'> <RaceNationalOriginType RaceNationalOriginTypeID = '1'>	White Black AmericanIndianOrAlaskanNative NativeHawaiianPacificIslander Asian	Indicates the race of the primary borrower. Increment RaceNationalOriginTypeID for multiple races.

Information Returned:

Using the above input fields, the assumption request will be processed or rejected. The results of the request will be displayed in the <ProcessStatusCode> field and will indicate either "Error" or "SuccessUpdatesAllowed". When an error occurs, a message pertaining to the error will be displayed in the <ProcessStatusMessage> field.

Example Output File

<?xml version='1.0' standalone='yes'?>
<MORTGAGEDATA MISMOVersionID='1.0.1'>
   <PROCESSSTATUS>
     <ProcessStatusCode>SuccessUpdatesAllowed</ProcessStatusCode>
   </PROCESSSTATUS>
   <APPLICATION>
     <AgencyCaseIdentifier>011-4112616</AgencyCaseIdentifier>
     <BaseLoanAmount>72500</BaseLoanAmount>
     <OtherLoanPurposeDescription>Refinance</OtherLoanPurposeDescription>
     <UNDERWRITINGCASE CounselingConfirmationType='NoBorrowerCounseling'></UNDERWRITINGCASE>
   </APPLICATION>
   <FHAVA>
     <FHAVAAssumptionEffectiveDate>20020801</FHAVAAssumptionEffectiveDate>
   </FHAVA>
   <BORROWER BORROWERID='1' BorrowerType='Occupant'>
     <UnparsedName>Cobb, Timothy A</UnparsedName>
     <SSN>466-53-3061</SSN>
     <BorrowerBirthDate>19670205</BorrowerBirthDate>
     <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='1' BorrowerFurnished = 'Yes' GenderType = 'Male' EthnicityType = 'Hispanic'>
       <RaceNationalOriginType RaceNationalOriginTypeID = '1'>White</RaceNationalOriginType>
       <RaceNationalOriginType RaceNationalOriginTypeID = '2'>Asian</RaceNationalOriginType>
       <RaceNationalOriginType RaceNationalOriginTypeID = '3'>NativeHawaiianPacific</RaceNationalOriginType>
     </GOVERNMENTMONITORING>
   </BORROWER>
   <BORROWER BORROWERID='2'>
     <UnparsedName>Cobb, Shara</UnparsedName>
     <SSN>466-53-3061</SSN>
     <BorrowerBirthDate>19690422</BorrowerBirthDate>
     <GOVERNMENTMONITORING GOVERNMENTMONITORINGID='2' BorrowerFurnished = 'Yes' GenderType = 'Female' EthnicityType = 'NonHispanic'>
       <RaceNationalOriginType RaceNationalOriginTypeID = '1'>Black</RaceNationalOriginType>
     </GOVERNMENTMONITORING>
   </BORROWER>
</MORTGAGEDATA>

**End of Output Fields for Case Assumption**
Data Item	Description
<PROCESSSTATUS> <ProcessStatusCode>	Result of the request. See below for values and their meanings.
<PROCESSSTATUS> <ProcessStatusMessage sCode='1' A43Code="xx">	Message detailing errors. Up to 80 alphanumeric characters. Specific values for sCode have been assigned for certain messages as listed below: sCode value '3' indicates that an error has occurred with the Case Number specified in the <AgencyCaseIdentifier> field. sCode value '4' indicates that an error has occurred with Original Mortgage Amount specified in the <BaseLoanAmount> field. sCode value '5' indicates that an error has occurred with the New Mortgagor Namein the <UnparsedName> field. sCode value '6' indicates that an error has occurred with the Social Security Number in the <SSN> field. sCode value '7' indicates that an error has occurred with the Effective Date specified in the <FHAVAAssumptionEffectiveDate> field. sCode value '8' indicates that an error has occurred with your userid. sCode value '9' indicates that a system error has occured.

ProcessStatusCode Values:

End of ProcessStatusCode Values
SuccessUpdatesAllowed This indicates that the case Assumption request was processed, that is, the case has been successfully re-assigned to the new lender and/or new sponsor/agent.

Unavailable System is down

Error This indicates that an error has occurred during the case Assumption process and that the case has not been Assumed successfully. Either the data were missing or in error. Please see the ProcessStatusMessage for details.

Comments or Questions? <SF Administration>

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