HUD Housing Counselor Certification
Practice Exam With 100% Correct
Answers 2025
,What is the maximum percent of area median income allowable
for a household to qualify for a Housing Choice Voucher? -
Correct Answer-50%
Which is the maximum recommended housing ratio for renting
an apartment? - Correct Answer-30%
Eligibility requirements for down-payment assistance programs
include which factors? - Correct Answer-Income, home-buyer
education, purchase price
The client is considering an FHA mortgage. What is the upfront
mortgage insurance premium (UFMIP) for an
FHA mortgage? - Correct Answer-1.75%
If the client was denied a mortgage loan and the lender told him to
come back after his divorce had been final for three years, what is
the best advice for the housing counselor to provide to the client to
report a violation to ECOA? - Correct
,Answer-Contact the Federal Trade Commission as the lender's
action might violate the Equal Credit Opportunity Act
A question from a lender on the client's Medical History would
be inappropriate or appropriate? - Correct Answer-
Inappropriate
Who is responsible for educating home-buyers about their
rights? - Correct Answer-Housing Counselor
In order to minimize the impact on the client's credit score, what is
the maximum time frame within which the client should apply for
pre-approval from multiple lenders? - Correct Answer-A 30-day
period
What are the responsibilities of a home inspector? - Correct
Answer-Examine mechanical systems, Evaluate the condition of a
home, Identify items to be repaired or replaced
Which is the best reason that a housing counselor would suggest
that a client speak to three to five different lenders? - Correct
Answer-To compare loan estimates
, Which is the best advice that a housing counselor can give the client
to protect against identity theft? - Correct Answer- Review credit
report at least once per year
The client tells the lender that he is expecting a raise soon. Should
the Lender provide a Loan Estimate (LE) with, or without
factoring the raise? - Correct Answer-Provide a loan estimate
without factoring in the raise
If this client obtains a mortgage of $100,000, typically, how
much should he expect to pay for closing costs? - Correct
Answer-$3000 to $4000
Is Application Fee an upfront cost of clients who are considering
renting or buying a property? - Correct Answer- Renting
A client wants to customize his home with do-it-yourself projects,
this is an indication the client is best aligned with which housing
option; Home-ownership or Renting? - Correct Answer-Home-
ownership
The client's gross monthly income is $4167 and the monthly debts
are $435. What is the maximum mortgage payment
Practice Exam With 100% Correct
Answers 2025
,What is the maximum percent of area median income allowable
for a household to qualify for a Housing Choice Voucher? -
Correct Answer-50%
Which is the maximum recommended housing ratio for renting
an apartment? - Correct Answer-30%
Eligibility requirements for down-payment assistance programs
include which factors? - Correct Answer-Income, home-buyer
education, purchase price
The client is considering an FHA mortgage. What is the upfront
mortgage insurance premium (UFMIP) for an
FHA mortgage? - Correct Answer-1.75%
If the client was denied a mortgage loan and the lender told him to
come back after his divorce had been final for three years, what is
the best advice for the housing counselor to provide to the client to
report a violation to ECOA? - Correct
,Answer-Contact the Federal Trade Commission as the lender's
action might violate the Equal Credit Opportunity Act
A question from a lender on the client's Medical History would
be inappropriate or appropriate? - Correct Answer-
Inappropriate
Who is responsible for educating home-buyers about their
rights? - Correct Answer-Housing Counselor
In order to minimize the impact on the client's credit score, what is
the maximum time frame within which the client should apply for
pre-approval from multiple lenders? - Correct Answer-A 30-day
period
What are the responsibilities of a home inspector? - Correct
Answer-Examine mechanical systems, Evaluate the condition of a
home, Identify items to be repaired or replaced
Which is the best reason that a housing counselor would suggest
that a client speak to three to five different lenders? - Correct
Answer-To compare loan estimates
, Which is the best advice that a housing counselor can give the client
to protect against identity theft? - Correct Answer- Review credit
report at least once per year
The client tells the lender that he is expecting a raise soon. Should
the Lender provide a Loan Estimate (LE) with, or without
factoring the raise? - Correct Answer-Provide a loan estimate
without factoring in the raise
If this client obtains a mortgage of $100,000, typically, how
much should he expect to pay for closing costs? - Correct
Answer-$3000 to $4000
Is Application Fee an upfront cost of clients who are considering
renting or buying a property? - Correct Answer- Renting
A client wants to customize his home with do-it-yourself projects,
this is an indication the client is best aligned with which housing
option; Home-ownership or Renting? - Correct Answer-Home-
ownership
The client's gross monthly income is $4167 and the monthly debts
are $435. What is the maximum mortgage payment
