Although every lender is different with regards to an acceptable condition of a property, FHA guidelines again provide a very basic structure of what to expect when getting the home you want to be approved for a loan.

If your home has some of these conditions a lender may want these items fixed before approving and finalizing the loan. This is an explanation of a few of the major guidelines brought to you by


FHA’s biggest repair concerns are:

Health and safety issues
Protecting the security of the property, and
Structural soundness of the property.

Types of FHA Repairs That Must be Completed Prior to Closing an FHA Loan

Peeling paint in homes built before 1978.
Unpainted downspouts and broken rain gutters.
Rotting out-building in need of demolition.
Exterior doors that do not properly close and open.
Exposed wiring and uncovered junction boxes.
Major plumbing issues and leaks.
Inoperable HVAC systems.
Leaky or defective roofs, roofs with a life expectancy of less than 3 years, composition over shake.
Active and visible pest infestation.
Rotting window sills, eaves, and support columns on a porch.
Missing appliances that usually are sold with a home such as a stove.
Bedrooms without minimize-sized windows or bedroom windows with bars that do not release.
Foundation or structural defects.
Wet basements.
Evidence of standing water in the crawl space.
Inoperable kitchen appliances.
Empty swimming pools, pools without a working pump and pools with mosquito fish.
Ripped screens.
No pressure relief valve on water heater.
Leaning / broken fence.

Types of FHA Repairs That are Not Necessary to Fix Before Closing

Peeling paint in homes built after 1978.
Cracked glass in windows.
Minor plumbing defects such as a dripping faucet.
Missing handrails.
Damaged wall coverings in homes built after 1978.
Worn out carpeting or defective floor finishes.
Beat-up or damaged exterior doors that still open and close.
Trip hazards such as heaving sidewalks.
Removal of debris under the house.
Lousy workmanship.
Evidence of previous or inactive pest infestation.
Replacement of flat roofs.
Testing of wells, unless required by local jurisdictions or water is suspected of contamination.

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