Page 1 of 95
HUD HOUSING COUNSELOR CERTIFICATION
2026 PRACTICE EXAM COMPLETE (242)
CURRENT TESTING QUESTIONS AND
DETAILED CORRECT
ANSWERS|GUARANTEED PASS.
HUD
Prepare effectively with this HUD Housing Counselor
Certification Practice Exam, designed to assess essential
knowledge of housing counseling principles and HUD program
guidelines. It focuses on foreclosure prevention, mortgage
literacy, budgeting, rental assistance, and client counseling
techniques. The exam strengthens problem-solving and client
support skills in housing assistance services. Suitable for
housing counselors and certification candidates.
Legally enforceable terms that govern the use of real estate
✓ ✓ ...... ANSWER ....... Deed Restrictions
The practice of refusing to make residential loans or
imposing more onerous terms on any loans made because
of the predominant race, color, national origin, religion, sex,
disability, or familial status of the area's residents. ✓ ✓ ......
ANSWER ....... Redlining
, Page 2 of 95
Following the assassination of Dr. Martin Luther King Jr.,
Congress passed what monumental piece of legislation,
which prohibits discrimination in housing sales, rentals, and
financing based on race, color, national origin, religion, sex,
disability and familial status? ✓ ✓ ...... ANSWER .......
Civil Rights Act of 1968
The Fair Housing Act, as amended, protects how many
characteristics? ✓ ✓ ...... ANSWER ....... 7
A property manager of an apartment complex that receives
federal financial assistance installs a ramp so that a tenant
in a wheelchair can easily access her first-floor apartment.
✓ ✓ ...... ANSWER ....... Reasonable Modification
Housing provider has a policy of requiring tenants to come to
the rental office to pay their rent. A tenant with a mental
disability, who is afraid to leave her unit, is allowed to mail
her rent payment. ✓ ✓ ...... ANSWER ....... Reasonable
Accommodation
, Page 3 of 95
The Fair Housing Act does not prohibit a lender from showing
potential clients information about different loans. ✓ ✓ ......
ANSWER ....... True
Provides annual funding to state and local agencies that
enforce fair housing laws that are substantially equivalent to
the Fair Housing Act. These funds go towards an agency's
capacity building, administrative costs, investigative and
enforcement efforts, training and other projects designed to
support enforcement of fair housing law. ✓ ✓ ...... ANSWER
....... Fair Housing Assistance Program (FHAP)
Provides funding to fair housing organizations and nonprofits
that assist people who may have been victims of housing
discrimination. ✓ ✓ ...... ANSWER ....... Fair Housing
Initiatives Program (FHIP)
Aim is to identify groups of people who would benefit most if
targeted by the campaign, the characteristics of these
people, and their expectations. ✓ ✓ ...... ANSWER .......
Marketing Analysis
, Page 4 of 95
The opportunity to increase awareness of the plans and
actions of housing industry members, private organizations
and foundations, public housing agencies, neighborhood
groups, regional organizations, and others to further fair
housing objectives. ✓ ✓ ...... ANSWER ....... Networking
Event
The section of the credit report that contains employer
details. ✓ ✓ ...... ANSWER ....... Personal Information
The section of a credit report that contains information
about a student loan. ✓ ✓ ...... ANSWER ....... Account
Information
The section of the credit report that contains court
information such as a bankruptcy. ✓ ✓ ...... ANSWER .......
Public Records
The section of the credit report that will show recent
attempts to open a credit card. ✓ ✓ ...... ANSWER .......
Inquiries
HUD HOUSING COUNSELOR CERTIFICATION
2026 PRACTICE EXAM COMPLETE (242)
CURRENT TESTING QUESTIONS AND
DETAILED CORRECT
ANSWERS|GUARANTEED PASS.
HUD
Prepare effectively with this HUD Housing Counselor
Certification Practice Exam, designed to assess essential
knowledge of housing counseling principles and HUD program
guidelines. It focuses on foreclosure prevention, mortgage
literacy, budgeting, rental assistance, and client counseling
techniques. The exam strengthens problem-solving and client
support skills in housing assistance services. Suitable for
housing counselors and certification candidates.
Legally enforceable terms that govern the use of real estate
✓ ✓ ...... ANSWER ....... Deed Restrictions
The practice of refusing to make residential loans or
imposing more onerous terms on any loans made because
of the predominant race, color, national origin, religion, sex,
disability, or familial status of the area's residents. ✓ ✓ ......
ANSWER ....... Redlining
, Page 2 of 95
Following the assassination of Dr. Martin Luther King Jr.,
Congress passed what monumental piece of legislation,
which prohibits discrimination in housing sales, rentals, and
financing based on race, color, national origin, religion, sex,
disability and familial status? ✓ ✓ ...... ANSWER .......
Civil Rights Act of 1968
The Fair Housing Act, as amended, protects how many
characteristics? ✓ ✓ ...... ANSWER ....... 7
A property manager of an apartment complex that receives
federal financial assistance installs a ramp so that a tenant
in a wheelchair can easily access her first-floor apartment.
✓ ✓ ...... ANSWER ....... Reasonable Modification
Housing provider has a policy of requiring tenants to come to
the rental office to pay their rent. A tenant with a mental
disability, who is afraid to leave her unit, is allowed to mail
her rent payment. ✓ ✓ ...... ANSWER ....... Reasonable
Accommodation
, Page 3 of 95
The Fair Housing Act does not prohibit a lender from showing
potential clients information about different loans. ✓ ✓ ......
ANSWER ....... True
Provides annual funding to state and local agencies that
enforce fair housing laws that are substantially equivalent to
the Fair Housing Act. These funds go towards an agency's
capacity building, administrative costs, investigative and
enforcement efforts, training and other projects designed to
support enforcement of fair housing law. ✓ ✓ ...... ANSWER
....... Fair Housing Assistance Program (FHAP)
Provides funding to fair housing organizations and nonprofits
that assist people who may have been victims of housing
discrimination. ✓ ✓ ...... ANSWER ....... Fair Housing
Initiatives Program (FHIP)
Aim is to identify groups of people who would benefit most if
targeted by the campaign, the characteristics of these
people, and their expectations. ✓ ✓ ...... ANSWER .......
Marketing Analysis
, Page 4 of 95
The opportunity to increase awareness of the plans and
actions of housing industry members, private organizations
and foundations, public housing agencies, neighborhood
groups, regional organizations, and others to further fair
housing objectives. ✓ ✓ ...... ANSWER ....... Networking
Event
The section of the credit report that contains employer
details. ✓ ✓ ...... ANSWER ....... Personal Information
The section of a credit report that contains information
about a student loan. ✓ ✓ ...... ANSWER ....... Account
Information
The section of the credit report that contains court
information such as a bankruptcy. ✓ ✓ ...... ANSWER .......
Public Records
The section of the credit report that will show recent
attempts to open a credit card. ✓ ✓ ...... ANSWER .......
Inquiries
