Appraisal
Does FHA require appliances?
Short answer
FHA does not require specific appliances, but the kitchen has to function as a kitchen. Missing range, missing water heater, or broken essential systems trigger repair flags.
Plain-English explanation
Stand-alone refrigerators are not always required. The appraiser is looking at whether the home is habitable.
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.