# Partial Claim

> Partial Claim governs what happens when the original payment map no longer holds

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:default-foreclosure:partial-claim` |
| Family | Default, Loss Mitigation & Foreclosure |
| Domain | Governance |
| Era | Institutional Age → Agentic Age |
| Kind | concept |
| Archetype | The Field |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Partial Claim is a concept in the Default, Loss Mitigation & Foreclosure family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Partial Claim governs what happens when the original payment map no longer holds.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Partial Claim governs what happens when the original payment map no longer holds
- **Gift:** Clarity about partial claim makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When partial claim is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when partial claim is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where partial claim appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Partial Claim reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Partial Claim changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Partial Claim changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Partial Claim can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Field enters the reading through Partial Claim. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Partial Claim becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 4.

## Relationships

- **Payment Application prices Partial Claim.** Payment Application prices Partial Claim through a change in rights, information, cash flow, priority, timing, or physical use.
- **Loan Modification constrains Partial Claim.** Loan Modification constrains Partial Claim through a change in rights, information, cash flow, priority, timing, or physical use.
- **Partial Claim enables Short Sale.** Partial Claim enables Short Sale through a change in rights, information, cash flow, priority, timing, or physical use.
- **Partial Claim documents Federal Housing Finance Agency.** Partial Claim documents Federal Housing Finance Agency through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Partial Claim through the lineage of Default, Loss Mitigation & Foreclosure: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Partial Claim: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [12 CFR Part 1024 — Regulation X](https://www.consumerfinance.gov/rules-policy/regulations/1024/) — Consumer Financial Protection Bureau; RESPA, settlement, escrow, servicing, loss mitigation.
- [FHA Single Family Housing Policy Handbook 4000.1](https://www.hud.gov/hud-partners/single-family-handbook-4000-1) — U.S. Department of Housing and Urban Development; FHA approval, origination, underwriting, appraisal, servicing, quality control.
- [VA Pamphlet 26-7 — Lender's Handbook](https://www.benefits.va.gov/WARMS/docs/admin26/m26-07/Lender_Handbook_VA_Pamphlet_Complete.pdf) — U.S. Department of Veterans Affairs; VA-guaranteed mortgage lending.
