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(12) Delinquent Federal Tax Debt (a) Standard Borrowers with delinquent Federal Tax Debt are ineligible. Tax liens may remain unpaid if the Borrower has entered into a valid repayment agreement with the federal agency owed to make regular payments on the debt and the Borrower has made timely payments for at least three months of scheduled payments. The Borrower cannot prepay scheduled payments in order to meet the required minimum of three months of payments. The Mortgagee must include the payment amount in the agreement in the calculation of the Borrower’s Debt-to-Income (DTI) ratio. (b) Verification Mortgagees must check public records and credit information to verify that the Borrower is not presently delinquent on any Federal Debt and does not have a tax lien placed against their Property for a debt owed to the federal government.
http://portal.hud.gov/hudportal/documents/huddoc?id=40001HSGH.pdf
i see nothing that says a missed payment prevents you from getting fha loan.
obviously i would prefer to have my underwriter clear an item like this. have your loan officer submit your file to underwriter before they issue a pre-approval and you wont have any surprises while under contract