Batch File Format for Payment of Monthly (Periodic) Mortgage Insurance Premium (New Format)
The batch file format described below is used to transmit to HUD (CPU to CPU) Single Family monthly (periodic) mortgage insurance premium payments. Collection processing of the transmitted payment is performed by Pay.gov.
This is a newer format that was formerly used by some lenders and service bureaus to transmit their files to Mellon Bank. It is referred to as the New Format. Of the two available formats (Old Format and New Format), the New Format is recommended for lenders new to the CPU to CPU batch file processing method of transmitting Periodic premium payments. For information regarding the Old Format, see Batch File Format for Payment of Monthly (Periodic) Mortgage Insurance Premium (Old Format).
The batch file must include the following records, in this order:
- Header Record
- Detail Record (Mortgagee/Lender Header)
- Supplemental Record
- Last Supplemental Record
- Deposit Control Record
- Deposit Total Record
The file can have only one Header Record, Deposit Control Record, and Deposit Total Record. The file can contain multiple Detail and Supplemental Records. The Detail Record (Mortgagee/Lender Header) is followed by at least one corresponding Supplemental Record (case payment information), with a Final Supplemental Record indicating the end of the case information. For service bureaus sending payments for multiple lenders, the series of Detail Record (Mortgagee/Lender Header), Supplemental Record(s), and Final Supplemental Record is included for each lender. For information on batch file naming conventions, see Monthly (Periodic) Mortgage Insurance Premium Batch Payment Processing Instructions for CPU to CPU Transmissions.
Header Record
| Field Name | Position | Length | Type | Format | Description |
|---|---|---|---|---|---|
| Record Type | 1 | 1 | Numeric | 9(1) | This field must always have the value 1. |
| Filler | 2-3 | 2 | Numeric | 9(2) | Zero (0) fill. |
| Filler | 4-13 | 10 | Alphanumeric | X(10) | Blank fill. |
| Filler | 14-18 | 5 | Numeric | 9(5) | Zero (0) fill. |
| Company Number | 19-23 | 5 | Numeric | 9(5) | Number identifying the Periodic file format. This field must always have the value 00502. |
| Transmission Date | 24-29 | 6 | Numeric | YYMMDD | Estimated date the file is transmitted. |
| Transmission Time | 30-33 | 4 | Numeric | HHMM | Estimated time the file is transmitted (Eastern Time). |
| Override Duplicate | 34 | 1 | Alphanumeric | X(1) | Options for handling duplicate case payments per day:
|
| Filler | 35-44 | 10 | Alphanumeric | X(10) | Blank fill. |
| Periodic Format Indicator | 45 | 1 | Alphanumeric | X(1) | Character identifying the new CPU input format. This field must always have the value P. |
| Filler | 46-80 | 35 | Alphanumeric | X(35) | Blank fill. |
Detail Record (Mortgagee/Lender Header)
| Field Name | Position | Length | Type | Format | Description |
|---|---|---|---|---|---|
| Record Type | 1 | 1 | Numeric | 9(1) | This field must always have the value 6. |
| Filler | 2-9 | 8 | Numeric | 9(8) | Zero (0) fill. |
| Mortgagee/ Lender ID Number | 10-14 | 5 | Numeric | 9(5) | Five-digit (corporate) FHA Title II identifier assigned to the lending institution making the payment. Right justify and zero (0) fill. |
| Total Transaction Amount | 15-24 | 10 | Numeric | 9(8)V99 | Sum of the payment Dollar Amount for each FHA Case Number included in the Supplemental Records. Right justify, zero (0) fill. |
| Supplemental Indicator | 25 | 1 | Alphanumeric | X(1) | This field must always have the value S. |
| Filler | 26-70 | 45 | Alphanumeric | X(45) | Blank fill. |
| Effective Date | 71-76 | 6 | Numeric | MMDDYY | This field is not currently applicable and can be zero (0) filled. |
| Filler | 77-80 | 4 | Alphanumeric | X(4) | Blank fill. |
Supplemental Record
| Field Name | Position | Length | Type | Format | Description |
|---|---|---|---|---|---|
| Record Type | 1 | 1 | Numeric | 9(1) | This field must always have the value 4. |
| Sequence Number of Overflow | 2-3 | 2 | Numeric | 9(2) | Start at the value 01 and increment on each succeeding Supplemental Record. If sequence number is greater than 99, restart the series at the value 01. |
| Last Record Indicator | 4 | 1 | Numeric | 9(1) | Zero (0) fill. |
| Filler | 5-9 | 5 | Numeric | 9(5) | Zero (0) fill. |
| FHA Case Number | 10-19 | 10 | Numeric | 9(10) | Unique 10-digit identifier assigned by the FHA to the mortgage loan for which monthly premium is being paid. Right justify and zero (0) fill. |
| Filler | 20-27 | 8 | Numeric | 9(8) | Zero (0) fill. |
| Dollar Amount | 28-34 | 7 | Numeric | 9(5)V99 | Total amount of payment, including late and interest charges if applicable, for the specified FHA Case Number. Right justify and zero (0) fill. |
| Loan Number | 35-49 | 15 | Alphanumeric | X(15) | (Optional) First 15 characters of the identifier assigned by the lender to the mortgage loan associated with the FHA Case Number; otherwise, blank fill. If a Loan Number is provided, it is included in Monthly Premium report files, e.g., Billing and Reconciliation files. |
| Loan Number (continued) | 50-59 | 10 | Alphanumeric | X(10) | (Optional) If needed, continuation of the identifier assigned by the lender to the mortgage loan associated with the FHA Case Number; otherwise, blank fill. |
| Filler | 60-80 | 21 | Alphanumeric | X(21) | Blank fill. |
Continue with Supplemental Record (Type 4) records to include all related FHA case number information. | |||||
Last Supplemental Record
| Field Name | Position | Length | Type | Format | Description |
|---|---|---|---|---|---|
| Record Type | 1 | 1 | Numeric | 9(1) | This field must always have the value 4. |
| Sequence Number of Overflow | 2-3 | 2 | Numeric | 9(2) | Next sequence number of supplemental records. |
| Last Record Indicator | 4 | 1 | Numeric | 9(1) | This field must always have the value 9. |
| Filler | 5-80 | 76 | Alphanumeric | X(76) | Blank fill. |
Deposit Control Record
| Field Name | Position | Length | Type | Format | Description |
|---|---|---|---|---|---|
| Record Type | 1 | 1 | Numeric | 9(1) | This field must always have the value 8. |
| Company Number | 2-6 | 5 | Numeric | 9(5) | This field must always have the value 00502. |
| Total Deposit Reports | 7-11 | 5 | Numeric | 9(5) | Count of the number of Detail Records (lenders) reported in the file. Right justify and zero (0) fill. |
| Total Deposits | 12-22 | 11 | Numeric | 9(9)V99 | Sum of the Total Transaction Amount for all Detail Records. Total amount paid for all cases specified in the file. Right justify and zero (0) fill. |
| Filler | 23-80 | 58 | Alphanumeric | X(58) | Blank fill. |
Deposit Total Record
| Field Name | Position | Length | Type | Format | Description |
|---|---|---|---|---|---|
| Record Type | 1 | 1 | Numeric | 9(1) | This field must always have the value 9. |
| Total Record Count | 2-7 | 6 | Numeric | 9(6) | Total number of records in the file, including the Header Record (Record Type 1) and Deposit Total Record (Record Type 9). Right justify and zero (0) fill. |
| Filler | 8-80 | 73 | Alphanumeric | X(73) | Blank fill. |
For information regarding the other available file format, see Batch File Format for Payment of Monthly (Periodic) Mortgage Insurance Premium (Old Format).