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Mortgage Glossary

HUD (Dept. of Housing and Urban Development)

Mike Starr·Reviewed August 2026

The U.S. Department of Housing and Urban Development (HUD) is the federal agency responsible for national housing policy and programs. HUD oversees the Federal Housing Administration (FHA), enforces fair housing laws, and administers programs for affordable housing. HUD-approved housing counselors provide free or low-cost guidance to homebuyers and struggling homeowners.