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Reconciliation Layout (New)

The table below describes the new Reconciliation report file layout planned for implementation in May 2021. This new format will replace the current Reconciliation report file layout. Please watch for announcements from the FHA Connection’s Monthly Premiums page for further updates.

Field Name Length Type Start Position Picture Description
Lender ID 5 Alphanumeric 1 X(5) Lender on record in HUD's Single Family Monthly Premium Collection System - Periodic (SFPCS-P) as servicing the case when the report file was created. First five digits of the FHA's unique 10-digit identifier assigned to the servicing lender.
FHA Case Number 10 Alphanumeric 6 X(10) Unique 10-digit identifier assigned to the FHA loan by HUD. The first two positions identify the state where the property is located, the third position identifies the HUD Field Office territory in which the property is located, the next six positions identify the serial number, and the final position is the check digit.
Loan Number 18 Alphanumeric 16 X(18) Identifier for the mortgage. Number assigned to the mortgage loan by the lender. Note: This number must be sent monthly with the monthly premium payment for the case in order for it to be displayed.
Billing Period 6 Alphanumeric 34 X(6) Month and year the file was generated (YYYYMM).
Discrepancy Reason 21 Alphanumeric 40 X(21) Description and code for the reason the case has a discrepancy.
  • Overpayment (M01)
  • Delinquent (M02)
  • Non-endorsed (M20)
  • Non-billable case (M21)
Total Owed 9 Numeric 61 -9(5).99 Total Premium Due + Total Late Due - Total Unapplied.
Total Premium Due 9 Numeric 70 -9(5).99 Total monthly mortgage insurance premium charges due this billing period.
Total Late Due 9 Numeric 79 -9(5).99 Total late charges due this billing period.
Total Unapplied 9 Numeric 88 -9(5).99 Net amount of overpayments after applying payment to premium and late due.
Current Premium Added 9 Numeric 97 -9(5).99 Monthly mortgage insurance premium charges for this billing period.
Current Late Added 9 Numeric 106 -9(5).99 Late charges for this billing period.
[Prior Month] Bill Premium 9 Numeric 115 -9(5).99 Monthly mortgage insurance premium charges for the previous billing period.
[Prior Month] Late 9 Numeric 124 -9(5).99 Late charges for the previous billing period.
[Prior Month] Unapplied 9 Numeric 133 -9(5).99 Amount of excess funds that were not applied to charges for the previous billing period.
Last Payment Date 10 Alphanumeric 142 X(10) Date of the last payment remitted for the case (MM/DD/YYYY).
Last Payment Amount 7 Numeric 152 -9(5).99 Amount of the last payment remitted for the case.
Premiums Missed 3 Numeric 161 9(3) Number of monthly mortgage insurance premium payments the lender has failed to remit.
Current Month Applied Premium 9 Numeric 164 -9(5).99 Amount applied to premium charges during the billing period from the 15th of last month to the 15th of this month.
Current Month Applied Late 9 Numeric 173 -9(5).99 Amount applied to late charges during the billing period from the 15th of last month to the 15th of this month.
Current Month Unapplied 9 Numeric 182 -9(5).99 Amount added to unapplied funds during the billing period from the 15th of last month to the 15th of this month.
Total Applied Premium 9 Numeric 191 -9(5).99 Amount applied to the monthly mortgage insurance premium charges owed.
Total Applied Late 9 Numeric 200 -9(5).99 Amount applied to the late charges owed.
Status 10 Alphanumeric 209 X(10) Current state of the case (Active, Terminated, or Claim).
Refinance Pending 3 Alphanumeric 219 X(3) Indicates whether a case is pending refinance and cannot be terminated by the lender.
Refinancing Lender 5 Alphanumeric 222 X(5) First five digits of the 10-digit identifier assigned to the lender that requested the refinance.
Refinance Expiration Date 10 Alphanumeric 227 X(10) Date the refinance authorization expires (MM/DD/YYYY).
Actively Billed 3 Alphanumeric 237 X(3) Indicates whether the case is still actively being billed. A value of "No" is displayed when a case is out of billing years, exempt, or terminated.
Exempt 3 Alphanumeric 240 X(3) Indicates whether the case is exempt from Risk-based monthly mortgage insurance premium payments.
Beginning Amortization Date 10 Alphanumeric 250 X(10) Date loan amortization starts; one month prior to the first principal and interest (P&I) payment (MM/DD/YYYY).
Close Date 10 Alphanumeric 260 X(10) Date of the signing of the mortgage documents and the disbursement of funds necessary to consummate the loan transaction.
Endorsement Date 10 Alphanumeric 270 X(10) Date of the agreement to underwrite the FHA single family mortgage loan; date the mortgage insurance certificate (MIC) was issued by the FHA Commissioner (MM/DD/YYYY).
Final Bill Date 10 Alphanumeric 280 X(10) Date the last monthly premium will be assessed (due the first of the following month) (MM/DD/YYYY).
Termination Date 10 Alphanumeric 290 X(10) Effective date the mortgage insurance was terminated or canceled; represents the date through which monthly insurance premium was assessed on the case (MM/DD/YYYY).
Section of Act 4 Alphanumeric 300 X(4) ADP Code representing the section of the National Housing Act under which the case is insured.
Original Mortgage Amount 10 Numeric 304 9(7).99 Amount of the principal obligation stated on the mortgage (or other security instrument); includes upfront mortgage insurance premium (UFMIP), if UFMIP is financed.
Loan to Value Ratio 5 Numeric 314 9.9(4) Original loan-to-value ratio. Percentage of the property value or sales price that the mortgage covers.
Monthly P & I 8 Numeric 319 9(5).99 Monthly principal and interest due on the loan (expressed as a percentage).
Term 3 Numeric 327 9(3) Length of the loan in months, from the beginning of loan amortization until maturity.
Billing Years 2 Numeric 330 9(2) Number of years the monthly premium will be billed for the loan (the value is expressed in whole years only; partial years are rounded to the next whole year). Value is zero (0) when not applicable.
Interest Rate 6 Numeric 332 .9(5) Original interest rate of the loan; charged annually by the mortgagee.
Bill Type 10 Alphanumeric 338 X(10) Type of premium billing for the loan based on the Single Family FHA program.
  • Deferred [Monthly]: MIP deferred and paid monthly (Section 530); also known as Bill Type 1.
  • Upfront [One-Time]: MIP paid one time at mortgage initiation; also known as Bill Type 2.
  • Risk-Based: Combination of both upfront and monthly premiums; also known as Bill Type 3.
Premium Rate 6 Numeric 348 .9(5) Percentage the unpaid loan balance is multiplied by for the calculation of annual or monthly premium. Examples: A value of 1.50 is 1.50% or .015. A value of 0.25 is 0.25% or .0025.
Upfront Factor 6 Numeric 354 .9(5) Premium factor rate used to calculate the upfront premium amount.
Upfront MIP Financed 3 Numeric 360 X(3) Indicates whether the upfront premium was added to the base loan amount and financed by the lending institution.

Total Record Length: 363

For the Alternate Report Retrieval process (secure file transfer process), see also Header and Trailer Records.


 
Reconciliation Layout (Current)

The Reconciliation report file provides information about your FHA cases that are unreconciled from the prior billing period. The file is generated monthly at billing, so all information is current for the billing period. The report file is available to users by the 17th of the month and remains available for three months on the FHA Connection. (See the new Reconciliation report file layout.)

Field Name Length Type Start Position Picture Description
Lender ID 5 Alphanumeric 1 X(5) Lender on record in HUD's Single Family Monthly Premium Collection System - Periodic (SFPCS-P) as servicing the case when the report file was created. First five digits of the FHA's unique 10-digit identifier assigned to the servicing lender.
FHA Case Number 10 Alphanumeric 6 X(10) Unique 10-digit identifier assigned to the FHA loan by HUD. The first two positions identify the state where the property is located, the third position identifies the HUD Field Office territory in which the property is located, the next six positions identify the serial number, and the final position is the check digit.
Billing Period 6 Alphanumeric 16 YYYYMM Month and year the file is generated.
Error Code 3 Alphanumeric 22 X(3) Code representing the reason the case has a discrepancy.
  • M01 - Overpayment
  • M02 - Delinquent
  • M20 - Non-endorsed
  • M21 - Non-billable case
Past Premium Billed 7 Numeric 25 9(5)V99 Premium billed for the previous month.
Past Interest Billed 7 Numeric 32 9(5)V99 Interest billed for the previous month.
Past Late Billed 7 Numeric 39 9(5)V99 Late charge billed for the previous month.
Current Premium Chgs Sign 1 Alphanumeric 46 X(1) Positive or negative indicator ("+" or "-") for the current premium charge.
Current Premium Chgs 6 Numeric 47 9(4)V99 Current premium charge generated for this billing period.
Current Interest Chgs Sign 1 Alphanumeric 53 X(1) Positive or negative indicator ("+" or "-") for the current interest charge.
Current Interest Chgs 6 Numeric 54 9(4)V99 Current interest charge generated for this billing period.
Current Late Chgs Sign 1 Alphanumeric 60 X(1) Positive or negative indicator ("+" or "-") for the current late charge.
Current Late Chgs 6 Numeric 61 9(4)V99 Current late charge generated for this billing period.
Premium Paid/Applied 7 Numeric 67 9(5)V99 Amount paid and/or applied to the monthly premium charges owed.
Interest Paid/Applied 7 Numeric 74 9(5)V99 Amount paid and/or applied to the interest charges owed.
Late Paid/Applied 7 Numeric 81 9(5)V99 Amount paid and/or applied to the late charges owed.
Total Premium Due 7 Numeric 88 9(5)V99 Sum of all premiums due this billing period.
Total Interest Due 7 Numeric 95 9(5)V99 Sum of all interest charges due this billing period.
Total Late Due 7 Numeric 102 9(5)V99 Sum of all late charges due this billing period.
Unapplied Before Current  Bill 7 Numeric 109 9(5)V99 Overpayment for the case prior to billing. Unapplied amount AFTER billing will be available on the Bill.
Mortgagor Name 22 Alphanumeric 116 X(22) Name of the current borrower (homeowner).
Mortgagor Street 19 Alphanumeric 138 X(19) Street address of the property.
Mortgagor City 18 Alphanumeric 157 X(18) City in which the property is located.
Mortgagor State 2 Alphanumeric 175 X(2) State in which the property is located.
Mortgagor Zip 9 Alphanumeric 177 X(9) Zip code within which the property is locate.
Termination Date 8 Alphanumeric 186 YYYYMMDD Date the mortgage insurance was terminated or canceled, and represents the date through which monthly insurance premium was assessed on the case.
Status 1 Alphanumeric 194 X(1) Current status of the case
  • A = Active Insurance Status
  • C = Claim Termination
  • T = Non-claim Termination
Exempt Indicator 1 Alphanumeric 195 X(1) Indicates whether or not the loan is exempt from Risk-Based MIP payments; N/A for Section 530 (Bill Types 1 and 2).
Values Y=Yes, N=No.
Section of the Act 4 Alphanumeric 196 X(4) ADP code representing the section of the National Housing Act under which the case is insured.
Original Mortgage Amount 7 Numeric 200 9(7) Amount of the principal obligation stated on the mortgage (or other security instrument); includes upfront mortgage insurance premium (UFMIP), if UFMIP is financed.
Mature Date 6 Alphanumeric 207 YYYYMM Month and year the loan matures.
Term 3 Numeric 213 9(3) Length of the loan in months, from the beginning of loan amortization until maturity.
Interest Rate 5 Numeric 216 99V999 Original interest rate of the loan.
Begin Amort Date 6 Alphanumeric 221 YYYYMM Month and year the loan amortization starts.
Bill Type 1 Alphanumeric 227 X Type of premium billing for the loan based on the Single Family FHA program.
  • 1 or DEF = Deferred (Section 530)
  • 2 or ADV = Advanced (pre-Section 530)
  • 4 or RB = Risk-Based
Current Annual MIP 7 Numeric 228 9(5)V99 Current calculation of the annual Mortgage Insurance Premium (MIP) for the loan.
Loan to Value Ratio 5 Numeric 235 999V99 Original loan to value (LTV) ratio.
Premium Rate 3 Numeric 240 9V99 Percentage the unpaid loan balance is multiplied by for the calculation of annual or monthly premium. For example, a value of 150 is 1.50% or .015. A value of 025 is 0.25% or .0025.
Upfront Factor 5 Numeric 243 V9(5) Factor used to calculate the upfront premium as a percentage of the base loan amount.
Percent Financed 5 Numeric 248 999V99 Percentage of the upfront premium that was added to the base loan amount and financed by the lending institution.
Billing Years 3 Numeric 253 9(3) Number of years the monthly premium will be billed for the loan (the value is expressed in whole years only; partial years are rounded to the next whole year). Value is zero (0) when not applicable.
Monthly P & I 6 Numeric 256 9(4)V99 Monthly principal and interest due on the loan.
Endorsement Date 8 Alphanumeric 262 YYYYMMDD Date the loan was endorsed or approved for mortgage insurance.
Loan # (Current)
MIN # (Future)
18 Alphanumeric 270 X(18) Identifier for the mortgage.

Loan Number: Number assigned to the mortgage loan by the lender. Note: This number must be sent monthly with the monthly premium payment for the case in order for it to be displayed here.

MIN: Mortgage identification number (future use).

Total Record Length: 287

For the Alternate Report Retrieval process (secure file transfer process), see also Header and Trailer Records