FHA Appraisal Guidelines


FHA Appraisal Guidelines vary by state and sometimes even by county, so the best place to get the most recent information on the HUD.gov website. They have a link to a state selection so you can be assured you get the information you need in reference to the appraisal guidelines for your area.

The Federal Housing Administration (FHA) emphasizes that an appraisal is not a home inspection and it also does not guarantee that a home is without flaws. However, FHA does take steps to evaluate if the home is in a safe, sound and sanitary condition. For that reason, the FHA appraiser is expected to require repair or replacement of anything that may affect the habitation of the house. If repairs are necessary and required, the buyer will receive a list from the lender and - in most cases - the seller may be responsible to take care of the repairs according to defined local and the FHA guidelines.

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