<?xml version="1.0"?>
<!-- edited with XMLSpy v2009 sp1 (http://www.altova.com) by Hee Sun Choung (Avineon, Inc.) -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.hud.gov/gen/reac" targetNamespace="http://www.hud.gov/gen/reac" elementFormDefault="qualified">
	<xsd:include schemaLocation="fds.xsd"/>
	<xsd:include schemaLocation="dcf.xsd"/>
	<!-- PHA Submission -->
	<xsd:element name="pha">
		<xsd:complexType>
			<xsd:sequence>
				<xsd:element name="fds" type="FDS"/>
				<xsd:element name="dcf" type="DCF"/>
			</xsd:sequence>
		</xsd:complexType>
	</xsd:element>
</xsd:schema>