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The Mortgage Expert
Appraisal

Can the seller make FHA repairs before closing?

Short answer

Yes. Required FHA repairs are usually completed by the seller before the appraisal re-inspection or before closing. The appraiser typically re-inspects to confirm.

Plain-English explanation

What this actually means.

Escrow holdbacks for required repairs are sometimes possible but are limited. Most FHA repair requirements have to be cured pre-closing, not after.

What can change the answer?

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.