FHA Checklist

During the appraisal process for FHA loans, appraisers have a checklist of items they must observe during the appraisal inspection. If you are involved in a real estate transaction as a seller, buyer, or representative for either party, it is beneficial to address any issues on this checklist during the inspection period before the appraisal. This can help to prevent delays or complications during the closing process.

• A smoke detector and carbon monoxide detector must be present, following local code requirements.
• The water heater must be properly secured with straps and have a safety release valve installed according to code.
• If the home was built before 1978 and has peeling paint, the paint must be removed, the surface sanded, and the area repainted to address potential health and safety issues. Any wood chips from this process should also be removed from the property.
• If the home was built after 1978, any defective paint (scaling, chipping, or peeling) and bare wood on the exterior must be sanded and painted.
• All structures on the property, including barns, storage sheds, and accessory dwelling units (ADUs), must meet FHA requirements.
• All utilities must be turned on and functioning properly.
• All built-in appliances sold with the property must be in working order.
• There must be adequate drainage around the home.
• Security bars on windows must either have a quick release mechanism or be removed.
• Water pressure must be adequate for the home. The appraiser will test all faucets, ensuring hot and cold water works and all toilets flush.
• Electrical outlets must be functional and have wall plates, with no exposed wires. Any missing light fixtures or hanging wires must also be addressed.
• Windows and sliding glass doors must be able to open, and any broken windows that could impact the property’s safety or security must be repaired.
• The heating system must be in good working order, and if there is an air conditioner present, it must also be operational.
• Attics and Crawlspace are viewed with a minimum head and shoulder inspection.
• The crawlspace must be free of trash, debris, and rodent infestations, and must not have excessively damp areas, standing water, or foundation issues.
• The attic must not have any leaks, water damage, or exposed wires, and must have proper ventilation.
• There must not be any signs of pest infestation.
• The roof must not leak and must have a reasonable lifespan of at least two years. If the roof appears to be near the end of its life, an inspection by a roofing specialist may be necessary. Additionally, FHA regulations do not allow for more than three layers of shingles on a roof.