What State or Commonwealth are you in ?
More than HUD, it's the Laws, Rules and Regulations of your jurisdiction that will prevail; and then subject to the wishes of the Listing Agent and HUD.
It's always best to spend any extra money on your own Listings !
Dale C. Hittle of GOLDEN RULE PROPERTIES in Glover, Vermont
Where We're Always Striving To Put Together "THE FAIR DEAL"