How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manufactured and modular homes
Are a range and refrigerator required kitchen appliances for a house to pass FHA inspection?
Friday, July 27, 2018
Free-standing appliances, such as a range or refrigerator, are not required for an FHA mortgage. But any built-in appliances that have been removed or not yet installed must be in place. So, if the built-in cooktop and oven in the kitchen above was missing, it would need to be replaced. But if, instead, there was simply a gap along the counter and base cabinets for a a free-standing range to slide into, then it would not be required by FHA.
A missing dishwasher, because it is also a built-in appliance, would be a red flag for the FHA appraiser. If a home has a defined location for a dishwasher, with plumbing and electrical in place, then a dishwasher must be in it. Also, any appliances that are present in the home must be functional and safe to operate.
The FHA requirements are intended to make sure than any home loan with an FHA guarantee is both livable and safe, without requiring any additional work or investment. The things they do require are outlined their Handbook 4905.1, Rev. 1, “Requirements for Existing Housing - One To Four Family Living Units,” and includes:
- Safe and potable water
- Sanitary facilities and a sewage disposal system
- Adequate heating
- Domestic Hot Water
- Electricity for lighting and equipment in the home
To read the FHA Handbook, click on the link below to download it as a pdf document:
Also, see our blog post What is the difference between an FHA inspection and a home inspection?
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