Does FHA require AC?
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.
What this actually means.
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.
Where this can move.
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.