Appraisal

What are VA Minimum Property Requirements?

Short answer

VA's MPRs are property-condition standards focused on safety, soundness, and sanitation. The home must be habitable, structurally sound, free of safety hazards, and have working systems (water, sewer/septic, electrical, heat, roof, etc.).

Plain-English explanation

MPR areas the appraiser checks: safe access to the property, structural integrity, working roof with reasonable remaining life, working electrical and plumbing, working heat (and AC where central cooling is standard for the market — typical in Florida), no visible health hazards (lead-paint flags on pre-1978 homes), pest-free condition, water supply and sanitary sewer, and clear of major drainage or grading issues. MPR violations typically have to be cured before closing — the appraiser re-inspects.

Practical example

On a 1972 Florida home, the VA appraiser flagged peeling exterior paint (lead-paint MPR), an end-of-life roof, and a non-working HVAC. The seller cured the paint and replaced the AC; the roof cure dropped the deal to a price-reduction negotiation. The appraiser re-inspected the cured items and the file moved to closing.