Does FHA Require Appliances. by Michael on March 6, 2012. Sometimes I find myself scratching my head wondering how some of these myths get started in the first place. FHA doesn’t require appliances, all they require is a cooking area.
A missing dishwasher, because it is also a built-in appliance, would be a red flag for the FHA appraiser. If a home has a defined location for a dishwasher, with plumbing and electrical in place, then a dishwasher must be in it. Also, any appliances that are present in the home must be functional and safe to operate.
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FHA Requirements for Major Home Appliances. Most of the guidelines for this program can be found in the Single Family Housing Policy Handbook, also known as HUD handbook 4000.1. The FHA loan requirements for major appliances can be found in this document as well. In fact, they are mentioned in several places.
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Absence of Appliances. When appliances are missing from a kitchen, the fha inspector notes it. All states have different standards for the inspectors and while appliances are not required to be present in all localities, their absence lowers the value of the home. Dated appliances also devaluate a property.
Allowable repairs include disability access, HVAC, plumbing, roofing and flooring, energy conservation, kitchen remodeling new appliances. is usually far below that required by conventional loans.
HUD clarifies appliance requirement in Handbook 4000.1. For example, appraisers generally do not include free-standing appliances in FHA appraisals because they are considered personal property and lenders do not want to make mortgage loans on personal property. The bottom line is that if the appliance is not real property, the appraiser is not required to operate it.
FHA doesn’t require appliances, all they require is a cooking area. If there are appliances already at the property, then they’ll have to be operational and meet local safety codes. If there are appliances already at the property, then they’ll have to be operational and meet local safety codes.
The FHA will not force home sellers to make the repairs required under FHA’s 203(b) mortgage program if the seller does not want to do so. In other words, the seller may refuse to make the repair, and.