HUD Articles
Understanding Insured and Uninsured Properties
December 31, 2021
All HUD homes are appraised by FHA roster, local appraisers. This report is where the information regarding the FHA Insurability is determined. FHA sets Minimum Property Requirements (MPR). These are the standards the appraiser uses to determine if a property meets insurability requirements for an FHA loan.
IN = Insured. Property meets FHA standards for MPR
IE = Insured with escrow. If appraiser determines the propery meets the MPR with the exception of some required repairs not to exceed $5,000 the property is noted as FHA insured with a Repair Escrow. That is the amount of money needed to meet the FHA standards.
UI = Uninsured. Repairs needed to meet MPR exceed $5,000.
