HUD-92544 is the Warranty of Completion of Construction, a form of the U.S. Department of Housing and Urban Development (HUD), Office of Housing, that a warrantor signs to guarantee a dwelling to the purchaser or owner. HUD states that the information is required to obtain a HUD-insured single family mortgage. The form combines the former HUD-92544-A and VA form 26-1859. On this page you can fill out the form online on FillingPDF and download or print the completed PDF; the original PDF is published by HUD at hud.gov.
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What is HUD-92544?
Form HUD-92544, Warranty of Completion of Construction, is the HUD form in which the warrantor promises the purchaser or owner of a dwelling that it was built in substantial conformity with the plans and specifications and is free of defects in equipment, material and workmanship.
The form is issued by the U.S. Department of Housing and Urban Development, Office of Housing (Federal Housing Commissioner), under OMB Approval No. 2502-0059. It is executed to induce the Federal Housing Commissioner or the Secretary of Veterans Affairs to make, guarantee or insure a mortgage on the property. HUD collects the information to determine the insurability of the mortgage and may use it to decide whether a defect exists and whether the builder must remedy it.
The warranty rests on Section 801 of the Housing Act of 1954 and Public Law 85-857 (38 U.S.C. § 3705). It has two parts:
- A warranty of substantial conformity with the plans and specifications, which applies to nonconformities reported in writing within one year of conveyance of title or initial occupancy, whichever comes first.
- A warranty against defects in equipment, material or workmanship, which lasts one year from conveyance of title, or from full completion of any item finished after conveyance.
The form also carries a certification, under penalty of perjury, that the property was built in compliance with HUD's Minimum Property Requirement and Minimum Property Standard or the VA's new construction requirements. A separate block covers manufactured (mobile) homes. The edition is HUD-92544 (4/2023); it combines the previous HUD-92544-A and VA form 26-1859, and previous editions are obsolete.
Who needs to file HUD-92544?
The main users are warrantors, usually the builders, of dwellings that are the subject of a HUD-insured single family mortgage. The warrantor signs the form, and the person signing certifies that he or she is authorized to bind the warrantor.
Other people with a role on the form:
- Purchaser(s) or owner(s): they are the people warranted to, together with their successors or transferees, and they sign the Purchaser(s)' Acknowledgement.
- Lender: its name, address and phone number are entered in the caption, with the FHA/VA case number and the property address.
- Manufacturer: if a manufactured (mobile) home was erected on the property, the manufacturer's name, address and phone number are entered in the block provided.
The form combines the previous HUD-92544-A and VA form 26-1859, so those forms are not used separately, and previous editions are obsolete. The form defines "dwelling" to include the improvements and appurtenances in the plans and specifications used for the valuation, except those built by a municipality or other government authority.
When to file HUD-92544
The triggering event is the closing: the form tells you to provide completed copies of the warranty to both the homebuyer and the builder at closing. It also tells you to include a copy in the case binder when the binder is sent to HUD.
The form sets no other due date. What it does set is the warranty period. Notice of a substantial nonconformity must be given to the warrantor in writing within one year from the date of original conveyance of title or initial occupancy, whichever first occurs. If the purchaser took title before the dwelling was completed, the year runs from completion or initial occupancy, whichever first occurs. For postponed improvements it runs from full completion of each item. The defect warranty lasts one year from conveyance of title, or from full completion of any item finished after conveyance.
How to fill out HUD-92544
Read the warranty terms
Review the warranty text before entering anything. It covers conformity with plans and specifications, defects in equipment, material or workmanship, and a one-year warranty period.
Enter the lender's details
In the caption, enter the Lender's Name, Address and Phone Number, including the area code.
Enter the purchaser or owner
Write the Name(s) of Purchase/Owner in the caption. These are the people to whom the warranty is given.
Enter the case number and address
Enter the FHA/VA Case Number and the Property Address in the caption.
Complete the manufactured home block
If a manufactured (mobile) home was erected on the property, enter the Manufacturer's Name, Address and Phone Number, including the area code. Otherwise leave this block unused.
Enter the builder's information
Fill in the Builder's Name and Address and the Builder's Phone Number, including the area code.
Complete the warrantor block
The Warrantor signs, enters the Warrantor's Title and dates the signature in mm/dd/yyyy format. Signing also certifies authority to execute the warranty and the perjury statement on compliance with HUD or VA property standards.
Collect the purchaser acknowledgement
Each Purchaser signs under Purchaser(s)' Acknowledgement and enters the date in mm/dd/yyyy format. The form has two purchaser signature lines.
Review, download and copy
Check every entry and the dates, then download or print the completed PDF from FillingPDF. Make copies for the homebuyer and the builder at closing and one for the case binder.
How to submit HUD-92544
HUD-92544 has no portal, mailing address or fee printed on it. It moves through two steps stated on the form: copies at closing and a copy in the case binder.
- At closing: provide completed copies of the warranty to both the homebuyer and the builder.
- To HUD: include a copy of the warranty in the case binder when the binder is sent to HUD.
The form carries a Privacy Act Notice. HUD says providing the information is voluntary, but failing to provide it may delay or restrict eligibility for an FHA-insured mortgage loan or other benefits. HUD publishes the current PDF at https://www.hud.gov/sites/dfiles/OCHCO/documents/92544.pdf, and the form refers to HUD Handbook 4000.1. FillingPDF lets you fill out and download the PDF; submission follows the steps above.
Common mistakes to avoid
- Not giving completed copies of the warranty to both the homebuyer and the builder at closing.
- Leaving the warranty out of the case binder when it is sent to HUD.
- Using a previous edition, or the separate HUD-92544-A or VA form 26-1859, when the form says previous editions are obsolete and it combines those forms.
- Having someone sign for the Warrantor who is not authorized to execute the warranty; the signer represents and certifies that authority.
- Signing the perjury certification without confirming the property was built to HUD's Minimum Property Requirement and Minimum Property Standard or the VA's requirements.
- Skipping the manufacturer's name, address and phone number when a manufactured (mobile) home was erected on the property.
- Entering dates in a format other than mm/dd/yyyy in the signature and acknowledgement date boxes.
- Omitting the Purchaser(s)' Acknowledgement signatures and dates.
- Knowingly entering false information; the form warns of criminal and civil penalties, including confinement for up to 5 years.
Frequently asked questions
What is Form HUD-92544?
HUD-92544 is the Warranty of Completion of Construction issued by HUD's Office of Housing. The warrantor guarantees to the purchaser that the dwelling conforms substantially to the plans and specifications and is free of defects in equipment, material and workmanship.
Who signs the HUD-92544 warranty?
The Warrantor signs, enters a title and dates it, and the signer certifies authority to bind the warrantor. The purchaser or purchasers also sign the Purchaser(s)' Acknowledgement, with dates in mm/dd/yyyy format.
How long does the HUD-92544 warranty last?
One year. The defect warranty runs from original conveyance of title, or from full completion of items finished afterward. Written notice of substantial nonconformity must be given within one year of conveyance of title or initial occupancy, whichever comes first.
When do I give out copies of HUD-92544?
At closing. The form says to provide completed copies to both the homebuyer and the builder at closing, and to include a copy in the case binder when it is sent to HUD.
Does HUD-92544 replace HUD-92544-A and VA form 26-1859?
Yes. The 4/2023 edition states that it combines the previous HUD-92544-A and VA form 26-1859, and it says previous editions are obsolete. Use this combined form.
What do I enter for a manufactured home?
If a manufactured (mobile) home was erected on the property, enter the manufacturer's name, address and phone number in the block provided. The warrantor then also warrants the property complies with the construction exhibits and the home had no hidden damage in transport or erection.
What happens if I put false information on HUD-92544?
The form warns that anyone who knowingly submits a false claim or makes a false statement faces criminal and civil penalties, including confinement for up to 5 years, fines, and civil and administrative penalties. The warrantor also certifies under penalty of perjury.
Can I fill out HUD-92544 online?
You can fill out the PDF online on FillingPDF and download or print it. FillingPDF is an independent service and does not send the form to HUD or the lender; copies are handled at closing and in the case binder.
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