{"id":107981,"date":"2025-11-19T19:22:08","date_gmt":"2025-11-20T03:22:08","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=107981"},"modified":"2026-02-24T15:03:54","modified_gmt":"2026-02-24T23:03:54","slug":"fha-loan-inspection-requirements","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/","title":{"rendered":"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">An FHA loan is a government-backed mortgage that appeals to first-time homebuyers because it\u2019s easier to qualify for and requires only a small down payment.  In 2025, <a href=\"https:\/\/www.redfin.com\/news\/down-payment-dollars-falling\/\" data-wpel-link=\"exclude\">15% of buyers financing their homes<\/a> chose an FHA loan.  If you\u2019re planning to <a href=\"https:\/\/www.redfin.com\/blog\/what-is-an-fha-loan\/\" data-wpel-link=\"exclude\">buy a home with an FHA loan<\/a>, you\u2019ll need to pass an FHA appraisal before you can close.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The U.S. Department of Housing and Urban Development (HUD) sets the <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/rmra\/mps\/mpshome\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\">FHA minimum property standards<\/a> that homes need to meet before the loan can be approved. These are meant to protect the buyer and the investment by ensuring the house is both priced correctly and is free of major deficiencies that affect safety, security, or structural soundness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s where the FHA appraisal comes in, helping confirm the home meets HUD\u2019s minimum property standards for financing. The appraiser checks that the home is safe to live in, structurally sound, and free from major health or safety hazards, but it\u2019s not an inspection. Instead, the appraisal notes certain issues\u2014like roof problems, peeling paint, obvious water damage, or faulty utilities\u2014that may need to be fixed before closing.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing what the FHA requires to pass the appraisal can help you decide whether that home you have your eye on makes sense\u2014and how to move forward if the appraiser flags repairs, whether buying a home in <a href=\"https:\/\/www.redfin.com\/city\/35751\/MO\/Kansas-City\" data-wpel-link=\"exclude\">Kansas City<\/a> or <a href=\"https:\/\/www.redfin.com\/city\/12257\/WI\/Madison\" data-wpel-link=\"exclude\">Madison, WI<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-fha-appraisal\">What is an FHA appraisal?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An FHA appraisal works differently than a conventional <a href=\"https:\/\/www.redfin.com\/blog\/home-appraisal\/\" data-wpel-link=\"exclude\">home appraisal<\/a>\u2014not only is the appraiser assessing the value of the home, they\u2019re also making sure the property meets basic HUD livability standards. When your lender sends out an FHA-approved appraiser, they\u2019ll walk through the property and document any noteworthy features that contribute to the value, but they\u2019ll also draw up a report with remarks on the home\u2019s safety, security, and livability.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An FHA appraisal will cost more than a regular appraisal because it\u2019s more in-depth and requires certain qualifications. Most buyers can expect to pay anywhere between <a href=\"https:\/\/homeguide.com\/costs\/home-appraisal-cost\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\">$400-$700<\/a> for an FHA appraisal, depending on home size, location, and demand. While the appraisal looks at some parts of a home, it does not replace a buyer\u2019s home inspection. We\u2019ll cover this in more detail later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fha-loan-inspection-requirements\">FHA loan inspection requirements<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Because FHA loans are designed to make homeownership more accessible, the HUD wants to be sure the home is safe and livable before approving the loan. While no home inspection is required, the FHA appraisal focuses on three big themes to ensure the home meets the minimum property standards:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Safety:<\/strong> no conditions that threaten the health or safety of occupants<\/li>\n\n\n\n<li><strong>Security:<\/strong> protected from unauthorized entry and the elements<\/li>\n\n\n\n<li><strong>Structural soundness:<\/strong> likely to remain in good condition for the foreseeable future\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most of the time, FHA loans need the home to meet these requirements:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-safety-and-habitability\">Safety and habitability<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No exposed wiring or obviously unsafe electrical panels.<\/li>\n\n\n\n<li>Working smoke detectors (and CO detectors if required locally).<\/li>\n\n\n\n<li>Safe stairs with handrails; stable, even flooring; no major trip hazards.<\/li>\n\n\n\n<li>No active roof\/foundation leaks, major mold patches, or severely water-damaged areas.<\/li>\n\n\n\n<li>For homes built before 1978: no peeling\/chipping paint that could be a lead hazard.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-structure-and-exterior\">Structure and exterior<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foundation and exterior walls free of major cracking, bowing, or shifting.<\/li>\n\n\n\n<li>Roof with no active leaks and typically at least 2 years of remaining useful life.<\/li>\n\n\n\n<li>Siding, gutters, downspouts and grading need to direct water away from the home.<\/li>\n\n\n\n<li>Windows and doors operate\/lock properly and aren\u2019t broken.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-systems-and-utilities\">Systems and utilities<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A permanently installed heating system capable of keeping a livable temperature.<\/li>\n\n\n\n<li>Functional plumbing: hot and cold running water, drains working, no major leaks.<\/li>\n\n\n\n<li>Safe, grounded electrical system.<\/li>\n\n\n\n<li>Public or approved water and sewer (or septic) systems connected and functioning; well systems must be safe.<\/li>\n\n\n\n<li>If air conditioning is present, the appraiser may note safety or livability concerns if it is not functioning, although AC isn\u2019t always required.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-interior-livability\">Interior livability<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>At least one full working bathroom with a sink, toilet, bathtub\/shower.<\/li>\n\n\n\n<li>Kitchen sink and plumbing function; any appliances included are safe.<\/li>\n\n\n\n<li>No large holes in walls\/ceilings\/floors exposing wiring or framing.<\/li>\n\n\n\n<li>Doors and windows open\/close properly; safe access from driveway\/sidewalk into the home.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-site-and-access\">Site and access<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Safe, year-round access via public or approved private road\/driveway.<\/li>\n\n\n\n<li>Proper site grading, drainage, and no major soil issues or unsafe easements.<\/li>\n\n\n\n<li>Property is suitable for residential use (no dominant commercial use or severe environmental hazard).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-multi-unit-properties-2-4-units\">Multi-unit properties (2\u20134 units)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All units must meet FHA safety and livability standards.<\/li>\n\n\n\n<li>Each unit needs working heat, plumbing, and electrical systems.<\/li>\n\n\n\n<li>Shared areas (hallways, stairs, laundry rooms) must be safe and well-lit.<\/li>\n\n\n\n<li>Utilities must be safely configured and either separately metered or clearly identified.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-manufactured-homes\">Manufactured homes<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be built after June 15, 1976, with HUD certification labels.<\/li>\n\n\n\n<li>Must be on a permanent, HUD-compliant foundation (not temporary blocks).<\/li>\n\n\n\n<li>Must be classified as real property, not personal property.<\/li>\n\n\n\n<li>All utility connections (water, sewer\/septic, electric, heat) must be permanent and functioning.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fha-appraisal-vs-home-inspection\">FHA appraisal vs. home inspection<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many FHA buyers think they can skip a <a href=\"https:\/\/www.redfin.com\/blog\/home-inspection\/\" data-wpel-link=\"exclude\">home inspection<\/a> because the FHA appraisal can be in-depth and focused. But the FHA appraisal requirements are specific to lending purposes, and only notes if the home meets the minimum property standards. While it might be tempting to pass on a home inspection due to money or time, the two processes actually work best hand-in-hand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A buyer-ordered home inspection is optional, but it gives you a clearer picture of the home\u2019s condition. A licensed inspector will spend several hours <a href=\"https:\/\/www.redfin.com\/blog\/what-do-home-inspectors-look-for\/\" data-wpel-link=\"exclude\">checking the home in detail<\/a>\u2014they\u2019ll test built-in appliances and the home\u2019s systems, closely examine the roof, foundation, and plumbing, check attics and crawlspaces, and note any immediate or upcoming repairs and maintenance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on what the inspection uncovers, you may be able to <a href=\"https:\/\/www.redfin.com\/blog\/negotiating-after-home-inspection\/\" data-wpel-link=\"exclude\">negotiate repairs<\/a> or purchase price, address issues before the FHA appraisal, or <a href=\"https:\/\/www.redfin.com\/blog\/when-to-walk-away-after-the-home-inspection\/\" data-wpel-link=\"exclude\">walk away<\/a> if dealbreakers are revealed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-after-an-fha-appraisal\">What happens after an FHA appraisal<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once the FHA appraiser submits their report, your <a href=\"https:\/\/www.rocketmortgage.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\">lender<\/a> reviews the paperwork then advises on next steps.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>If the value supports your loan:<\/strong> The appraisal comes in at or above the purchase price, and your loan moves into final underwriting.<\/li>\n\n\n\n<li><strong>If the appraiser notes repairs:<\/strong> The lender issues a conditional approval listing what must be fixed before closing\u2014usually things like peeling paint on older homes, unsafe wiring, or missing handrails.<\/li>\n\n\n\n<li><strong>Decide how to move forward: <\/strong>In many cases, sellers complete FHA-required repairs to keep the sale on track, but responsibility is negotiable between buyer and seller.<\/li>\n\n\n\n<li><strong>Repairs get checked:<\/strong> Once the work is done, the lender orders a quick reinspection to confirm everything meets FHA standards.<\/li>\n\n\n\n<li><strong>You get cleared to close:<\/strong> After the lender signs off on the value and the repairs, your loan moves forward to the final closing steps.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-will-cause-a-home-to-fail-an-fha-appraisal\">What will cause a home to fail an FHA appraisal?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The FHA minimum property standards need to be met in order for the lender to approve the loan. Some problems might trip up financing but can be resolved before closing; others might mean the <a href=\"https:\/\/www.redfin.com\/blog\/what-wont-pass-fha-inspection\/\" data-wpel-link=\"exclude\">house doesn\u2019t qualify for FHA<\/a> support and the sale won\u2019t go through.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The most common issues that come up after an FHA appraisal are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Repairs the seller won\u2019t do<\/strong>, even if they\u2019re small or inexpensive.<\/li>\n\n\n\n<li><strong>Signs of bigger underlying problems<\/strong> (sloping floors, moisture stains, aging mechanicals) that require a specialist\u2019s evaluation.<\/li>\n\n\n\n<li><strong>Unpermitted additions or remodels<\/strong>, especially garage conversions or structural changes.<\/li>\n\n\n\n<li><strong>Major systems that function \u201cjust barely\u201d<\/strong> (weak heating, borderline wells, roofs with very limited remaining life).<\/li>\n\n\n\n<li><strong>Property configuration issues<\/strong>, like missing HUD tags on manufactured homes or multi-unit buildings with unclear utilities.<\/li>\n\n\n\n<li><strong>Location-based concerns<\/strong>, such as high-risk flood zones, industrial proximity, or unusual easements.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-will-the-home-pass-fha-appraisal-requirements\">Will the home pass FHA appraisal requirements?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A home doesn\u2019t need to be perfect in order to pass the FHA appraisal requirements. As long as the property is structurally sound, the systems are working, and there aren\u2019t any clear health or safety hazards, the home will likely qualify.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The biggest hurdles in the FHA appraisal process usually come from sellers refusing to make repairs or signs that imply larger underlying problems. If you go into the appraisal knowing what the appraiser is looking for, you\u2019ll be better prepared to navigate <a href=\"https:\/\/www.rocketmortgage.com\/home-loans\/fha-loan\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\">buying a home with an FHA loan<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what are the appraisal requirements?<\/p>\n","protected":false},"author":824,"featured_media":107982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34529,34629,34642],"coauthors":[36450],"class_list":["post-107981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-faq","tag-first-time-homebuyer","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Will Your Home Pass the FHA Appraisal? | Redfin<\/title>\n<meta name=\"description\" content=\"Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what does this mean?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?\" \/>\n<meta property=\"og:description\" content=\"Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what does this mean?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/\" \/>\n<meta property=\"og:site_name\" content=\"Redfin | Real Estate Tips for Home Buying, Selling &amp; More\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/redfin\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-20T03:22:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T23:03:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/11\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ashley Cotter\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@redfin\" \/>\n<meta name=\"twitter:site\" content=\"@redfin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ashley Cotter\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/\"},\"author\":{\"name\":\"Ashley Cotter\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#\\\/schema\\\/person\\\/8b00c958fa0c66bb88bc8896faac8ff5\"},\"headline\":\"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?\",\"datePublished\":\"2025-11-20T03:22:08+00:00\",\"dateModified\":\"2026-02-24T23:03:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/\"},\"wordCount\":1407,\"publisher\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg\",\"keywords\":[\"buying faq\",\"first time homebuyer\",\"Mortgage\"],\"articleSection\":[\"Buying a Home\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2025\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/\",\"name\":\"Will Your Home Pass the FHA Appraisal? | Redfin\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg\",\"datePublished\":\"2025-11-20T03:22:08+00:00\",\"dateModified\":\"2026-02-24T23:03:54+00:00\",\"description\":\"Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what does this mean?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg\",\"contentUrl\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg\",\"width\":1200,\"height\":800,\"caption\":\"A bungalow home surrounded by mature landscaping, perfect for a first time homebuyer\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/fha-loan-inspection-requirements\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.redfin.com/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/\",\"name\":\"Redfin | Real Estate Tips for Home Buying, Selling &amp; More\",\"description\":\"Real estate on Wall Street, Main Street and your street.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.redfin.com/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\",\"name\":\"Redfin\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2020\\\/03\\\/Redfin-logo-512x512-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2020\\\/03\\\/Redfin-logo-512x512-1.jpg\",\"width\":512,\"height\":512,\"caption\":\"Redfin\"},\"image\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/redfin\",\"https:\\\/\\\/x.com\\\/redfin\",\"https:\\\/\\\/www.instagram.com\\\/redfinrealestate\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/redfin\",\"https:\\\/\\\/www.pinterest.com\\\/redfin\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCMIuo1QSGcmWnevT9jdC_Ow\",\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Redfin\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#\\\/schema\\\/person\\\/8b00c958fa0c66bb88bc8896faac8ff5\",\"name\":\"Ashley Cotter\",\"description\":\"Ashley Cotter is a Content Marketing Coordinator at Redfin with over five years of experience in digital marketing and content writing. She currently specializes in due diligence, local insights, and practical advice to help buyers, sellers, and renters make informed decisions, no matter where they're at in their home journey. Based in western Washington, she spends her free time exploring the local coffee scene and enjoying the nearby mountains.\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/author\\\/ashley-cotter\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Will Your Home Pass the FHA Appraisal? | Redfin","description":"Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what does this mean?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/","og_locale":"en_US","og_type":"article","og_title":"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?","og_description":"Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what does this mean?","og_url":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/","og_site_name":"Redfin | Real Estate Tips for Home Buying, Selling &amp; More","article_publisher":"https:\/\/www.facebook.com\/redfin","article_published_time":"2025-11-20T03:22:08+00:00","article_modified_time":"2026-02-24T23:03:54+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/11\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg","type":"image\/jpeg"}],"author":"Ashley Cotter","twitter_card":"summary_large_image","twitter_creator":"@redfin","twitter_site":"@redfin","twitter_misc":{"Written by":"Ashley Cotter","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#article","isPartOf":{"@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/"},"author":{"name":"Ashley Cotter","@id":"https:\/\/www.redfin.com\/blog\/#\/schema\/person\/8b00c958fa0c66bb88bc8896faac8ff5"},"headline":"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?","datePublished":"2025-11-20T03:22:08+00:00","dateModified":"2026-02-24T23:03:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/"},"wordCount":1407,"publisher":{"@id":"https:\/\/www.redfin.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#primaryimage"},"thumbnailUrl":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/11\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg","keywords":["buying faq","first time homebuyer","Mortgage"],"articleSection":["Buying a Home"],"inLanguage":"en-US","copyrightYear":"2025","copyrightHolder":{"@id":"https:\/\/www.redfin.com\/blog\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/","url":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/","name":"Will Your Home Pass the FHA Appraisal? | Redfin","isPartOf":{"@id":"https:\/\/www.redfin.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#primaryimage"},"image":{"@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#primaryimage"},"thumbnailUrl":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/11\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg","datePublished":"2025-11-20T03:22:08+00:00","dateModified":"2026-02-24T23:03:54+00:00","description":"Buying a home with an FHA loan guarantees an appraiser will be looking at livability standards. But what does this mean?","breadcrumb":{"@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#primaryimage","url":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/11\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg","contentUrl":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/11\/FHA-Loan-Inspection-Requirements_jamie-hagan-sRG-fo7BYt8-unsplash.jpg","width":1200,"height":800,"caption":"A bungalow home surrounded by mature landscaping, perfect for a first time homebuyer"},{"@type":"BreadcrumbList","@id":"https:\/\/www.redfin.com\/blog\/fha-loan-inspection-requirements\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.redfin.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What Are The Appraisal Requirements For Buying a Home With an FHA Loan?"}]},{"@type":"WebSite","@id":"https:\/\/www.redfin.com\/blog\/#website","url":"https:\/\/www.redfin.com\/blog\/","name":"Redfin | Real Estate Tips for Home Buying, Selling &amp; More","description":"Real estate on Wall Street, Main Street and your street.","publisher":{"@id":"https:\/\/www.redfin.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.redfin.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.redfin.com\/blog\/#organization","name":"Redfin","url":"https:\/\/www.redfin.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.redfin.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2020\/03\/Redfin-logo-512x512-1.jpg","contentUrl":"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2020\/03\/Redfin-logo-512x512-1.jpg","width":512,"height":512,"caption":"Redfin"},"image":{"@id":"https:\/\/www.redfin.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/redfin","https:\/\/x.com\/redfin","https:\/\/www.instagram.com\/redfinrealestate\/","https:\/\/www.linkedin.com\/company\/redfin","https:\/\/www.pinterest.com\/redfin\/","https:\/\/www.youtube.com\/channel\/UCMIuo1QSGcmWnevT9jdC_Ow","https:\/\/en.wikipedia.org\/wiki\/Redfin"]},{"@type":"Person","@id":"https:\/\/www.redfin.com\/blog\/#\/schema\/person\/8b00c958fa0c66bb88bc8896faac8ff5","name":"Ashley Cotter","description":"Ashley Cotter is a Content Marketing Coordinator at Redfin with over five years of experience in digital marketing and content writing. She currently specializes in due diligence, local insights, and practical advice to help buyers, sellers, and renters make informed decisions, no matter where they're at in their home journey. Based in western Washington, she spends her free time exploring the local coffee scene and enjoying the nearby mountains.","url":"https:\/\/www.redfin.com\/blog\/author\/ashley-cotter\/"}]}},"_links":{"self":[{"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/posts\/107981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/users\/824"}],"replies":[{"embeddable":true,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/comments?post=107981"}],"version-history":[{"count":4,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/posts\/107981\/revisions"}],"predecessor-version":[{"id":109061,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/posts\/107981\/revisions\/109061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/media\/107982"}],"wp:attachment":[{"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/media?parent=107981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/categories?post=107981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/tags?post=107981"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.redfin.com\/blog\/wp-json\/wp\/v2\/coauthors?post=107981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}