About FHA Home Inspection Requirements
The FHA uses the appraisal and property-condition assessment to make mortgage decisions and to determine whether a house is livable, meaning that it meets requirements for basic needs, safety and health.
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Roofs and Attics
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The roof must keep out moisture and not present any safety hazards. It should be reasonably durable and easy to maintain. In areas where snow might stay on the roof for several days, the roof and attic will be inspected for evidence of damage and leaks. Flat roofs will be inspected, and any work must be completed by a lender-qualified person. There must also be clear access to the attic.
Crawl Spaces and Foundaitons
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There must be adequate access to crawl spaces, a minimum of 18 inches from the joists. They must be vented and free of debris. Basements will be examined for dampness or wetness, structural defects and condition of furnace and hot water heater.
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Heating and Electrical
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Electrical service can be either circuit breakers or fuses, with no frayed or exposed wires. Knob-and-tube wiring is acceptable if it's in good condition and at least 60 amps. All rooms must have a heat source, meaning that each room must be heated. Wood stoves must be permanently installed and able to maintain at least 50 degrees F in all rooms. Floor heaters needing repair should be replaced with other heating methods. Space heaters generally are unacceptable.
Water Heater
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The water heater must have a non-adjustable temperature and water-relief pressure valve, comply with local building codes no matter where it's located, and cannot be rented.
Utilities and Sewage
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All utilities must be in good working order. If they're not on at the time of inspection, they must be inspected once they're turned on. The inspector will note any required repairs.
Individual sewage systems that meet local health regulations are acceptable. Certification is needed only if the inspector suspects a problem or if problems are common in the area. The lender is responsible for ensuring that a community system is licensed and adequate for the property's needs.
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