FREE practical guide · FHA Mortgage Assistance
FHA Partial Claims Explained
How eligible past-due amounts may move to a subordinate, interest-free balance due later.
How eligible past-due amounts may move to a subordinate, interest-free balance due later. The safest first move is to confirm the account status and deadline directly with the mortgage servicer, then keep a dated written record.
Understand the issue
What this topic means for a homeowner
HUD's FHA loss mitigation program includes home-retention and home-disposition options for eligible borrowers with FHA-insured mortgages. The mortgage servicer applies current FHA requirements and determines eligibility.
HUD's current overview includes repayment plans, forbearance, standalone partial claims, loan modifications, combined options, and a Payment Supplement. Program details can change, so verify the current rules.
A practical way to think about it
Turn the topic into a five-step plan
Work in sequence: verify the account status, gather the written terms, collect supporting records, ask focused questions, and confirm the answer in writing.
Action plan
Work through these steps in order
- 1
Confirm that the mortgage is FHA-insured.
- 2
Ask the servicer for an FHA loss mitigation review.
- 3
Submit current income and hardship information.
- 4
Request a written explanation of the option offered or denied.
- 5
Use HUD or a participating housing counselor for independent program information.
Document checklist
Put these records in one working file
The exact request can differ by loan and servicer. Use the checklist you receive in writing as the final authority.
- FHA case or loan information
- Current mortgage statement
- Income and hardship records
- Servicer application
- Written FHA option or decision
Questions to ask
Use specific questions and request written answers
Which FHA option am I being reviewed for?
Does the offer use a partial claim?
When would that amount become due?
Is a trial payment plan required?
What payment applies after any temporary supplement?
Pause and verify
Warning signs that require extra care
- A partial claim is generally not a grant.
- A temporary payment reduction may end after a defined period.
- Always verify current program rules with HUD or the servicer.
HUD: FHA Loss Mitigation
Search the named agency directly to verify current public guidance. If a court paper, sale date, title question, or state-law deadline is involved, speak with a licensed attorney in the property's state.
This guide is not legal, tax, bankruptcy, financial, or housing-counseling advice. It does not create an attorney-client or fiduciary relationship, and it does not guarantee a loan modification, foreclosure delay, or any other result. A website request is not notice to your servicer, a court, or a trustee.