What are FHA loan inspection requirements?
FHA itself requires an FHA appraisal — not a separate home inspection. The FHA appraiser checks value plus property condition: safety, security, and structural integrity. Common flags include peeling paint on pre-1978 homes, roof life, broken systems, exposed wiring, missing handrails, and HVAC or plumbing function. A buyer-paid home inspection is strongly recommended on top of the FHA appraisal.
What this actually means.
The FHA appraiser is not a licensed home inspector — they are confirming HUD's minimum property standards. In Florida, expect three layers of property review on most FHA purchases: 1) the FHA appraisal (value plus property condition flags); 2) the buyer's optional home inspection (full systems review the appraiser does not perform); 3) the homeowners-insurance carrier's 4-point inspection on older homes (roof, electrical, plumbing, HVAC). Required FHA repairs must be cured before closing, and the appraiser typically re-inspects to confirm. Lender overlays may add their own conditions on top.
What this looks like on a real file.
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.