Does a VA loan require a home inspection?
VA itself requires the VA appraisal — not a separate home inspection. A buyer-paid home inspection is strongly recommended on top of the VA appraisal because the VA appraiser is not a licensed home inspector and only checks MPRs.
Plain-English explanation
The VA appraisal verifies value and MPR compliance; it does not catch the way a thorough home inspection does (full HVAC review, plumbing pressure tests, foundation walk, roof life detail, electrical panel inspection). Florida buyers commonly add: a home inspection, a wind mitigation report, a 4-point inspection on older homes (insurance carriers often require it), and a WDO/termite inspection. Each is buyer-paid.
What can change the answer?
Property condition against MPRs, repair requirements, Tidewater process, and Reconsideration of Value can change the appraised value and timeline.
Related
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Appraisal
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.