Does FHA require appliances?
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.
What this actually means.
Stand-alone refrigerators are not always required. The appraiser is looking at whether the home is habitable.
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.