Appraisal
Does FHA require AC?
Short answer
Where central air is normal for the market, an FHA property typically needs functional cooling. In Florida, that means a working AC system in most properties.
Plain-English explanation
Old or non-working AC in Florida is a likely repair flag. The system doesn't have to be new — it has to work and be safe.
What can change the answer?
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Appraisal
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.