Housing counseling agencies are permitted by HUD to charge reasonable and customary fees for housing counseling and education services, including pre-purchase, reverse mortgage, rental, and non-delinquency post-purchase counseling services, provided certain conditions are met.

• Agencies must provide counseling without charge to persons who demonstrate they cannot afford the fees.
• Agencies must inform clients of the fee structure in advance of providing services.
• Fees must be commensurate with the level of services provided.