We bought our home in August of 2015. In 2016 due to my health I wasn’t able to return to work, so we thought we would do a modification. We are in the process of selling our home and just found out we owe more than we paid for it. How is this possible? We were told we owe HUD $50,000 on top of our mortgage payoff, which is more than we originally paid for our home. We have reached out to HUD and are still awaiting a call from them but, if we sale our home why should we owe more than our original note?