You are fine. The occupancy agreement required you to move in within 60 days, not to stay for the life of the loan. The occupancy covenant on a primary-residence loan says you will move in and occupy the home as your principal residence within 60 days of closing, and that 60-day standard holds across conventional, FHA, and VA loans. Nothing in it obligates you to live there forever. Lenders know life changes. Getting married, growing your family, taking a job in another city, or buying your next home and renting out this one are all normal moves, and none of them breaks your existing mortgage. Occupancy fraud is a different animal: signing that agreement while never intending to live in the home at all, calling a rental a primary residence to get better terms and a lower down payment. If you genuinely moved in and lived there for a reasonable time, you are nowhere near that line. Keep your own records straight, and if you want full peace of mind, confirm any specifics with your loan servicer. Beyond that, do not let fear of the occupancy clause stop you from a normal move up to your next home.