HUD 223(a)(7) Application Process and Timing


Section 223(a)(7) applications submitted by approved MAP lenders must be processed under MAP. Section 223(a)(7) applications are eligible for Multifamily Accelerated Processing (MAP). However, applications can also be submitted by non-MAP lenders through HUD’s TAP processing track.

In addition, lenders must submit an analysis that provides details regarding the sizing of the mortgage. This analysis must be consistent with HUD guidelines. Also, lenders must submit a Sources and Uses statement that is consistent with specified mortgage sizing calculations.

MAP: Multifamily Accelerated Processing

When sponsors work with MAP-approved lenders, the lender submits the required documentation and exhibits for a Firm Commitment application. This typically includes an underwriting package. Once submitted to the local Multifamily Regional or Satellite Office, the specific HUD office then reviews the application. HUD reviews factors like the borrower’s capabilities, the benefits to the project, and whether there is enough income to repay the loan after project expenses. If the proposed loan is approved, HUD issues a commitment to the lender.

TAP: Traditional Application Processing

Applications can also be submitted by non-MAP lenders. However, these must be processed by HUD field staff under TAP (Traditional Application Processing). In TAP, there is a single processing stage - firm commitment. In this stage, a HUD Regional or Satellite Office decides the amount of the mortgage based on a proposal for mortgage insurance. Once the proposal is approved, the appropriate office issues a commitment to the lender.


In general HUD 223(a)(7) loans close 60 days from application submission. HUD has an estimated 45-day review period for multifamily properties and an estimated 60 days for healthcare properties. However, each case is different and in some instances, it could take as long as 3 months to close. A typical timeline might be as follows:

  • Firm application is typically submitted to HUD within 30 days.

  • After HUD issues the firm commitment and rate lock, most HUD 223(a)(7) loans close in 45 to 60 days.