Does FHA require a termite inspection?
FHA does not blanket-require a termite inspection in Florida unless the appraiser flags evidence of infestation, damage, or conditions favorable to termites.
Plain-English explanation
Many Florida purchase contracts and lender overlays still require a wood-destroying-organism (WDO) report, even when FHA itself does not. Treat it as a likely line item in Florida.
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.