Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates
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Summary
AI summary — grounded in the notice text
This HUD notice announces the debenture interest rates for FHA-insured mortgages and loans under the National Housing Act for the 6-month period beginning July 1, 2026. Debentures issued under Section 221(g)(4) will bear interest at 4.5 percent, while debentures issued under other provisions will bear interest at 5 percent. This matters because these rates affect how insurance claims are calculated and paid on FHA-insured mortgages during this period.
Key Quotes
Verbatim from the notice
“The interest rate for debentures issued under Section 221(g)(4) of the Act during the 6-month period beginning July 1, 2026, is 4\1/2\ percent.”
Verbatim from the notice
“The interest rate for debentures issued under these other provisions with respect to a loan or mortgage committed or endorsed during the 6-month period beginning July 1, 2026, is 5 percent.”
Key Dates
- Published
- Oct 13, 2026
- Effective
- Jul 1, 2026