The 16-day grace period for FHA mortgage payments typically goes away after filing Chapter 13 bankruptcy due to the nature of the bankruptcy process and the terms of the repayment plan. Here's why:

Automatic Stay: When you file for Chapter 13 bankruptcy, an automatic stay is issued, which stops most collection efforts from creditors. This includes the normal mortgage payment process.
Repayment Plan: In Chapter 13 bankruptcy, you create a repayment plan that includes how you'll handle your mortgage payment. This plan is approved by the court and becomes the new agreement between you and your creditors, including your mortgage lender.
Strict Payment Schedule: The bankruptcy repayment plan typically requires you to make payments on a strict schedule. The 16-day grace period that existed before bankruptcy is no longer applicable because you're now operating under the court-approved plan.
Immediate Payment Requirements: After filing Chapter 13, you must stay current on any mortgage payments that are due after the filing. This means you need to make payments on time according to the new plan, without relying on a grace period.
On-time payments are key. For instance, to be eligible for an FHA loan while still in Chapter 13, you need to show at least 12 months of timely payments in your repayment plan.
Court Oversight: Your finances are under court supervision during bankruptcy. The trustee and the court expect strict adherence to the repayment plan, which doesn't typically include grace periods for payments.

It's important to note that while the standard grace period may no longer apply, your specific situation could have unique terms. If you're facing difficulties making payments on time after filing Chapter 13, it's crucial to communicate with your bankruptcy trustee and possibly your mortgage servicer. They may be able to provide guidance or adjust your plan if necessary. Resource: Rocket Mortgage

Please note this blog post is for educational purposes only and not legal advice.