FHA Inspection Checklist

FHA Inspection Checklist

FHA inspection checklist is an essential part of the home-buying process for those who plan to use an FHA loan. The Federal Housing Administration (FHA) requires an inspection of the home’s condition to ensure that it meets minimum safety, security, and soundness standards. The inspection is conducted by a licensed, HUD-approved property appraiser who will assess the property and provide a report to the lender.

The checklist includes a range of items that the appraiser will look for during the inspection. These items include general health and safety, foundation or structural defects, and whether the utilities such as water, sewage, heat, and electricity all work. The appraiser will also assess the livability factors such as access to transport, health care, education, and more. The FHA inspection checklist is designed to ensure that the property meets the minimum requirements for a safe and habitable living space.

Homebuyers should prepare for the FHA inspection by reviewing the checklist and addressing any issues that could prevent the property from passing inspection. This could include repairing any structural defects, ensuring all utilities are in working order, and addressing any safety concerns. By preparing for the inspection, homebuyers can increase their chances of passing the FHA inspection and securing their loan.

Understanding FHA Inspections

When applying for an FHA loan, the Federal Housing Administration (FHA) requires an inspection of the home’s condition to ensure that it meets minimum safety, security, and soundness standards. This inspection is conducted by a licensed, HUD-approved property appraiser.

The FHA inspection is intended to protect both the lender and the borrower by ensuring that the property is in good condition and meets FHA standards. The inspection covers various aspects of the home, including its general health and safety, foundation or structural defects, utilities (water, sewage, heat, and electricity), and any renovations or water damage.

The FHA inspection checklist is quite comprehensive and covers various areas of the home. Here are some of the items that an FHA appraiser looks for during the inspection:

• General Health and Safety: The appraiser checks for any potential health and safety hazards, such as exposed wires, broken windows, or missing handrails.
• Foundation or Structural Defects: The appraiser checks for any cracks or damage to the foundation or structural components of the home.
• Utilities: The appraiser checks that all utilities are in working condition, including water, sewage, heat, and electricity.
• Renovations: The appraiser checks that any renovations to the home are completed and up to code.
• Water Damage: The appraiser checks for any signs of water damage, such as mold or water stains.

If the appraiser finds any issues during the inspection, they will note them on the FHA appraisal report. Some issues may require further inspection or repair before the loan can be approved.

It’s important to note that the FHA inspection is not a substitute for a home inspection. A home inspection is a more comprehensive examination of the home’s condition and is typically conducted by a licensed home inspector. While the FHA inspection covers many aspects of the home, it is not as thorough as a home inspection.

In summary, the FHA inspection is an important part of the FHA loan process. It ensures that the home meets minimum safety, security, and soundness standards and protects both the lender and the borrower. The inspection checklist covers various areas of the home, including its general health and safety, foundation or structural defects, utilities, renovations, and water damage. If any issues are found during the inspection, they will need to be addressed before the loan can be approved.

FHA Inspection Vs FHA Appraisal

When it comes to buying a home with an FHA loan, both an inspection and an appraisal are required. While the two terms may seem interchangeable, they actually serve different purposes. In this section, we will discuss the differences between an FHA inspection and an FHA appraisal.

FHA Appraisal

An FHA appraisal is an assessment of the property’s value and condition. The appraiser will provide an analysis of the site, which includes the topography of the location, suitability of soil, easements, encroachments, and the areas adjacent to the property. The appraiser will also assess the longevity of the property and determine if it warrants having a long-term mortgage.

The appraisal is done to ensure that the property meets the minimum property standards (MPS) set by the Federal Housing Administration (FHA). The MPS include requirements for safety, security, and soundness. The appraiser will inspect the property to ensure that it meets these standards.

The appraisal is important because it determines the market value of the property. The market value is the amount that a buyer would pay for the property in its current condition. The appraiser will compare the property to other similar properties in the area to determine its market value.

FHA Inspection

An FHA inspection is a more detailed assessment of the property’s condition. The inspection is done to ensure that the property is safe, secure, and sound. The inspector will look for any issues that could pose a threat to the health and safety of the occupants.

The inspection covers a wide range of areas, including the roof, foundation, plumbing, electrical, heating, and cooling systems. The inspector will also look for any signs of water damage, mold, or other issues that could affect the property’s value.

The inspection is important because it helps the buyer understand the condition of the property they are purchasing. It also helps the buyer negotiate any repairs that need to be made before closing.

In summary, an FHA appraisal is an assessment of the property’s value and condition, while an FHA inspection is a more detailed assessment of the property’s condition. Both are required when purchasing a home with an FHA loan to ensure that the property meets the minimum property standards and is safe, secure, and sound.

The FHA Inspection Checklist

When purchasing a home with an FHA loan, the property must meet certain minimum property standards. To ensure the property meets these standards, an FHA-approved appraiser will conduct an inspection and complete an FHA inspection checklist. This checklist covers various areas of the property, including the foundation, roofing, electrical systems, plumbing, safety hazards, and health and safety issues.

Foundation

The foundation is the backbone of the home, and it is important that it is in good condition. The FHA inspection checklist requires that the foundation is free of any visible cracks or damage, and that there is no evidence of water damage or standing water in the basement or crawl space.

Roofing

The roof is another critical component of the home, and it must be in good condition to pass the FHA inspection. The inspector will check for any signs of damage or leaks, as well as the overall condition of the roofing material. The FHA inspection checklist also requires that the roof has at least two years of remaining life.

Electrical Systems

The electrical system is an important safety feature of the home, and it must be up to code to pass the FHA inspection. The inspector will check the electrical panel, outlets, and switches to ensure they are functioning properly and are not a safety hazard. The FHA inspection checklist also requires that the electrical system is grounded and has no exposed wiring.

Plumbing

The plumbing system is another important aspect of the home that must be in good condition to pass the FHA inspection. The inspector will check for any leaks or damage to the pipes, as well as the condition of the water heater and other plumbing fixtures. The FHA inspection checklist also requires that the water pressure is adequate and that the hot water is functioning properly.

Safety Hazards

The FHA inspection checklist includes a section for safety hazards, which covers a wide range of potential hazards in the home. This includes things like exposed wiring, missing handrails, and trip hazards. The inspector will also check for the presence of smoke detectors and carbon monoxide detectors, as well as any other safety features required by local building codes.

Health and Safety Issues

The health and safety of the occupants of the home is of utmost importance, and the FHA inspection checklist includes a section specifically for health and safety issues. The inspector will check for the presence of lead-based paint, mold, and other potential health hazards. The FHA inspection checklist also requires that the home has adequate ventilation and that there are no signs of pest infestation.

Overall, the FHA inspection checklist is a comprehensive tool used to ensure that the home meets minimum property standards and is safe and habitable. By addressing any issues identified on the checklist, homebuyers can feel confident that they are making a sound investment in their future.

Special Considerations in FHA Inspections

When it comes to FHA inspections, there are specific considerations that homeowners and homebuyers should be aware of. These considerations can include everything from lead-based paint hazards to property access. Here are some of the most important special considerations in FHA inspections:

Lead-Based Paint Hazard

If the home was built before 1978, there is a chance that it contains lead-based paint. Lead-based paint can be hazardous, especially to young children and pregnant women. FHA appraisers will check for peeling or chipping paint, and if they find it, they will require that it be remediated before the loan can be approved.

Asbestos

Asbestos is another potential hazard that FHA appraisers will look for. Asbestos was commonly used in building materials until the 1980s, and exposure to it can cause serious health problems. If the appraiser finds asbestos, they will require that it be removed or encapsulated before the loan can be approved.

Water Heater

The water heater is an essential part of any home, and it must be in good working order for an FHA loan to be approved. The appraiser will check to make sure that the water heater is functioning properly, and that it is properly vented and installed.

Basement and Crawl Space

The basement and crawl space are two areas that can be prone to moisture problems and other issues. The appraiser will check for signs of water damage, mold, and other issues that could indicate a problem. They will also check to make sure that the area is properly ventilated and that there are no safety hazards present.

Property Access

Finally, the appraiser will need to be able to access all areas of the property in order to complete the inspection. This includes the attic, basement, and crawl space, as well as any other areas that are normally inaccessible. Homeowners should make sure that all areas are accessible and that any locks or barriers are removed prior to the inspection.

Overall, FHA inspections are designed to ensure that the home is safe, secure, and in good condition. By being aware of these special considerations, homeowners and homebuyers can help ensure that the inspection goes smoothly and that the loan is approved.

Role of Various Stakeholders

When it comes to FHA inspections, there are several stakeholders involved in the process. These stakeholders play a crucial role in ensuring that the property meets the FHA’s minimum property requirements. The following sub-sections discuss the role of various stakeholders involved in the FHA inspection process.

Buyer

The buyer is responsible for selecting a property that meets their needs and budget. When purchasing a property with an FHA loan, the buyer must ensure that the property meets the FHA’s minimum property requirements. The buyer should also hire a professional home inspector to conduct a thorough inspection of the property. The home inspector can identify any issues that may affect the property’s value or safety. If the home inspector identifies any issues, the buyer can negotiate repairs with the seller or walk away from the deal.

Lender

The lender is responsible for ensuring that the property meets the FHA’s minimum property requirements. The lender must order an FHA appraisal to determine the property’s value and condition. The FHA appraisal will identify any issues that may affect the property’s value or safety. If the FHA appraisal identifies any issues, the lender may require repairs before approving the loan. The lender will also verify the buyer’s income, credit history, and employment status to ensure that they can afford the mortgage payments.

Overall, the buyer, lender, and FHA all play a crucial role in the FHA inspection process. By working together, they can ensure that the property meets the FHA’s minimum property requirements and that the buyer can afford the mortgage payments. If you are considering purchasing a property with an FHA loan, it is essential to understand the role of each stakeholder and their responsibilities.

HUD and FHA Standards

The Department of Housing and Urban Development (HUD) sets the standards for housing quality under the Federal Housing Administration (FHA) program. The FHA’s mission is to ensure that homeownership is accessible and affordable for all Americans, especially those with lower incomes or credit scores. To achieve this goal, the FHA has established minimum property standards that must be met for a property to be eligible for FHA financing.

The FHA’s minimum property standards cover three main requirements: safety, security, and soundness. Safety standards ensure that the home provides a safe and healthy environment for its occupants. Security standards ensure that the property offers protection to its occupants. Soundness standards ensure that the home does not have any structural defects.

The FHA requires an inspection of the home’s condition to ensure that it meets these minimum standards. The inspection is conducted by a licensed, HUD-approved property appraiser. The appraiser will examine the property’s exterior, interior, and mechanical systems to ensure that they are in good working order. The inspection also includes a review of the property’s compliance with local building codes.

The FHA inspection checklist covers a wide range of items, including the property’s roof, foundation, electrical system, plumbing system, heating and cooling systems, and more. The inspection checklist is divided into categories, such as safety, security, and soundness, to help the appraiser focus on the most important areas of the property.

In summary, the HUD and FHA standards ensure that properties meet minimum requirements for safety, security, and soundness. The inspection process is designed to ensure that the property is in good condition and meets these standards. Homebuyers who are considering an FHA loan should be aware of these standards and the inspection process to ensure that they are purchasing a safe and sound property.

Post Inspection Repairs and Maintenance

After the FHA inspection, the inspector will provide a report that lists all the deficiencies found during the inspection. The report will indicate whether the deficiencies are cosmetic or structural and whether they pose a safety hazard.

If the property fails to meet the FHA minimum property standards, repairs and maintenance must be made before the loan can be approved. The borrower can either make the repairs or request that the seller make the repairs before closing. Alternatively, the borrower can negotiate a lower price to compensate for the cost of repairs.

The FHA requires that all repairs be made by licensed contractors. The borrower must provide proof of the repairs, usually in the form of receipts and invoices. The inspector will then conduct a re-inspection to ensure that all repairs have been made satisfactorily.

It is important to note that the FHA only requires repairs for items that pose a safety hazard or affect the livability of the property. Cosmetic repairs, such as peeling paint or worn carpet, are not required by the FHA. However, the lender may require cosmetic repairs as a condition of the loan.

Regular maintenance is also important to ensure that the property remains in good condition. The borrower should perform routine maintenance such as cleaning gutters, changing air filters, and checking for leaks. Failure to perform regular maintenance can result in costly repairs down the road.

In conclusion, post-inspection repairs and maintenance are an essential part of the FHA inspection process. The borrower must ensure that all repairs are made by licensed contractors and provide proof of the repairs to the inspector. Regular maintenance is also important to keep the property in good condition and avoid costly repairs.

Challenges and Solutions

FHA inspection checklists can be challenging for both homebuyers and sellers. Here are some common challenges and solutions that can arise during the FHA inspection process.

Serious Damage

One of the most significant challenges that can arise during an FHA inspection is the discovery of serious damage to the property. This can include anything from a leaky roof to a foundation that is in disrepair. In some cases, the damage may be so severe that the property is deemed unsafe to live in.

To address serious damage, a homebuyer may need to negotiate with the seller to make necessary repairs or lower the purchase price. Alternatively, a seller may need to invest in repairs before the property can be sold. In either case, it is essential to work with a licensed contractor to ensure that all repairs are completed to code and meet FHA guidelines.

Building Codes

Another challenge that can arise during an FHA inspection is the discovery of building code violations. Building codes are in place to ensure that properties are safe and habitable. Violations can include anything from electrical issues to problems with the plumbing or HVAC system.

To address building code violations, a seller may need to invest in repairs or upgrades to bring the property up to code. A homebuyer may need to negotiate with the seller to make necessary repairs or lower the purchase price. In either case, it is important to work with a licensed contractor to ensure that all repairs are completed to code and meet FHA guidelines.

Other Challenges

Other challenges that can arise during an FHA inspection include issues with the property’s heating and cooling system, problems with the foundation or structure of the property, and concerns about the property’s overall safety and livability.

To address these challenges, it is important to work with a licensed contractor who can assess the property and provide guidance on necessary repairs or upgrades. Additionally, it may be helpful to work with a real estate agent who has experience with FHA inspections and can provide guidance throughout the process.

Overall, while FHA inspections can be challenging, there are solutions available to address any issues that may arise. By working with licensed contractors and experienced real estate professionals, homebuyers and sellers can ensure that the property meets FHA guidelines and is safe and habitable for all.

Section 8 Inspection Guidelines for Tenants

Tenants living in public housing, HUD-funded properties, or voucher recipients (Section 8) are subject to inspections to ensure their homes meet the Housing Quality Standards (HQS) set by the Department of Housing and Urban Development (HUD).

The HQS covers 13 areas of housing quality, including sanitation, health and safety, and building and site maintenance. Inspectors will use the HUD-52580-A form to assess the property and identify any deficiencies that need to be corrected.

Tenants should be aware of the following guidelines for Section 8 inspections:

• Tenants should ensure that their unit is clean and free of clutter, and that all appliances are in good working order.
• All smoke detectors and carbon monoxide detectors must be installed and in working order.
• Any damage to the unit should be reported to the landlord and repaired before the inspection.
• Tenants should ensure that there is no peeling paint or chipped surfaces in the unit, especially in units built before 1978.
• All windows should be in good condition and able to open and close properly.
• All doors should have working locks and be able to open and close properly.
• Tenants should not block access to any part of the unit, including the furnace, water heater, or electrical panel.
• Tenants should ensure that all utilities are turned on and available for inspection.

Tenants should also be aware that the inspector will check common areas, such as hallways and laundry rooms, as well as the exterior of the building. Any deficiencies found during the inspection must be corrected within the time frame specified by the inspector.

Overall, tenants should take an active role in maintaining their unit and ensuring that it meets the HQS. By doing so, they can help ensure that their home is safe, healthy, and comfortable.

HUD UPCS Inspection Checklist

The U.S. Department of Housing and Urban Development (HUD) requires that all properties receiving federal assistance be inspected annually to ensure compliance with the Uniform Physical Condition Standards (UPCS) checklist. The UPCS checklist is a comprehensive list of inspectable areas, items, and deficiencies that must be met by the property to pass the inspection.

The UPCS checklist is divided into two main categories: site and building. The site category includes items such as exterior walls, landscaping, and parking areas, while the building category includes items such as plumbing, electrical, and heating systems.

During the inspection, the inspector will record any observable deficiencies in each inspectable item. The deficiencies are classified as non-life-threatening (NLT) or life-threatening (LT). NLT deficiencies must be corrected within 30 days, while LT deficiencies must be corrected within 24 hours.

Some common NLT deficiencies found during HUD inspections include broken windows, damaged flooring, and missing smoke detectors. Some common LT deficiencies include gas leaks, electrical hazards, and malfunctioning heating systems.

It is important to note that the UPCS checklist is not a comprehensive list of all potential issues that may be found during an inspection. Inspectors may note additional deficiencies that are not on the checklist, but still require correction.

Overall, it is crucial for property owners and managers to be familiar with the UPCS checklist and to ensure that their properties are in compliance with the standards. Failure to comply with the UPCS checklist can result in penalties and potentially the loss of federal assistance.

What Won’t Pass FHA Inspection

When it comes to an FHA inspection, there are certain issues that may cause a property to fail. These issues are typically related to safety, security, and soundness standards. Here are some common issues that won’t pass an FHA inspection:

• Roofing issues: If the roof is in poor condition, it may not pass an FHA inspection. This includes missing shingles, leaks, and other damage.
• Electrical problems: Electrical issues can be a major safety hazard. If the wiring is outdated or damaged, it may not pass an FHA inspection.
• Plumbing problems: Plumbing issues can lead to water damage and other problems. If the plumbing is not functioning properly, it may not pass an FHA inspection.
• Foundation issues: If there are cracks in the foundation or other structural issues, it may not pass an FHA inspection.
• Safety hazards: Any safety hazard that could pose a risk to the occupants of the property may cause it to fail an FHA inspection. This includes issues such as broken windows, missing handrails, and other hazards.
• Lead-based paint: If the property was built before 1978 and has chipped or peeling paint, it may contain lead-based paint. This can be a health hazard, and the property may not pass an FHA inspection.

It’s important to note that these are just some of the issues that may cause a property to fail an FHA inspection. Each property is unique, and there may be other issues that need to be addressed. It’s important to work with a qualified inspector to identify any issues and ensure that the property meets FHA standards.

Who Pays for FHA Inspection

FHA inspections are mandatory requirements for properties purchased with an FHA loan. The question of who pays for the FHA inspection is a common one among homebuyers.

According to Chase, the borrower is responsible for paying for the FHA inspection. This fee is typically included in the closing costs of the loan. The cost of the inspection varies depending on the location of the property and the appraiser’s fee.

It is worth noting that the FHA inspection fee is separate from the appraisal fee. The appraisal fee is also paid by the borrower and is included in the closing costs.

In some cases, the seller may agree to pay for the FHA inspection as part of the negotiation process. However, this is not a common occurrence.

It is important to note that the FHA inspection is not the same as a home inspection. A home inspection is a more comprehensive examination of the property’s condition, while the FHA inspection is focused on the property’s safety, security, and soundness.

In summary, the borrower is responsible for paying for the FHA inspection as part of the closing costs. While the seller may agree to pay for the inspection, this is not a common occurrence. It is important to understand that the FHA inspection is not the same as a home inspection and is focused on the property’s safety, security, and soundness.

FHA Appraisal Red Flags

During an FHA appraisal, the appraiser will inspect the property to ensure it meets the minimum eligibility requirements for an FHA-insured loan. However, there are certain issues that can be considered red flags by the appraiser. These red flags can cause the property to fail the appraisal, or require additional inspections and repairs before the loan can be approved.

Here are some of the most common FHA appraisal red flags:

Safety Hazards

Safety hazards are a major concern for FHA appraisers. Any issues that could pose a threat to the health or safety of the occupants will be considered red flags. This includes things like:

• Exposed wiring
• Missing handrails
• Cracked or broken windows
• Missing smoke detectors
• Water leaks

If the appraiser identifies any safety hazards, they will require repairs before the loan can be approved.

Structural Issues

Structural issues can also be red flags for FHA appraisals. Any issues that could affect the stability or integrity of the property will be cause for concern. This includes things like:

• Cracks in the foundation
• Sagging or uneven floors
• Roof damage
• Termite damage
• Mold or mildew

If the appraiser identifies any structural issues, they may require additional inspections or repairs before the loan can be approved.

Property Condition

The overall condition of the property is also important during an FHA appraisal. Any issues that could affect the livability or marketability of the property will be considered red flags. This includes things like:

• Peeling paint
• Broken appliances
• Outdated plumbing or electrical systems
• Inadequate heating or cooling systems
• Incomplete renovations or repairs

If the appraiser identifies any issues with the property condition, they may require repairs or renovations before the loan can be approved.

It’s important to note that these red flags are not exhaustive, and there may be other issues that the appraiser considers cause for concern. However, by addressing these common red flags, borrowers can increase their chances of a successful FHA appraisal.

Are FHA Inspections Hard to Pass?

FHA inspections are designed to ensure that homes purchased with FHA loans meet minimum safety, security, and soundness standards. The inspections are conducted by licensed, HUD-approved property appraisers who evaluate the condition of the property and determine if it meets the General Acceptability Criteria established by the U.S. Department of Housing and Urban Development (HUD).

While some homebuyers may worry that FHA inspections are difficult to pass, the reality is that most homes do meet the minimum standards required. In fact, according to the FHA, the agency’s appraisers approve more than 95 percent of the homes they inspect.

That said, there are certain issues that can cause a home to fail an FHA inspection. Some of the most common issues include:

• Health and safety hazards, such as exposed wiring or missing handrails
• Structural issues, such as foundation problems or roof leaks
• Water damage, such as mold or rot
• Peeling or chipping paint in homes built before 1978
• Incomplete renovations or repairs

If any of these issues are found during an FHA inspection, the appraiser will note them in the appraisal report and require that they be addressed before the loan can be approved. In some cases, the repairs may need to be completed before the appraisal can be finalized.

It’s important to note that FHA inspections are not intended to be a substitute for a thorough home inspection. While an FHA appraiser will evaluate the condition of the property, they are primarily concerned with the property’s value and whether it meets the agency’s minimum standards. Homebuyers should always hire a qualified home inspector to thoroughly evaluate the condition of the property before making a purchase.

FHA Appraisal Photo Requirements

FHA appraisal photo requirements are an essential part of the FHA inspection process. The appraiser must take photographs of the property to document the condition of the property and to provide evidence of any deficiencies that may exist. The photographs must be clear and of good quality and must show the condition of the property at the time of the appraisal.

The photographs must be taken in a way that shows the entire room or area being appraised. The appraiser must take photographs of all rooms, including the kitchen, bathroom, bedrooms, and living areas. Additionally, photographs must be taken of the exterior of the property, including the roof, foundation, and any other structures on the property.

The appraiser must also take photographs of any deficiencies that are found during the appraisal. These deficiencies may include issues with the plumbing, electrical system, or heating and cooling systems. The photographs must show the nature and extent of the deficiency and must be accompanied by a detailed description of the deficiency.

It is important to note that the appraiser is not required to take photographs of every item in the property. However, the appraiser must take photographs of any item that is relevant to the appraisal process. For example, if there is a built-in bookshelf in the living room, the appraiser may take a photograph of the bookshelf if it is relevant to the value of the property.

In conclusion, FHA appraisal photo requirements are an important part of the appraisal process. The photographs must be clear, of good quality, and must show the condition of the property at the time of the appraisal. The appraiser must take photographs of all relevant areas of the property, including any deficiencies that are found during the appraisal.

FHA Appraisal Subject to Repairs

When an FHA appraisal is conducted, the appraiser will evaluate the property to ensure it meets the General Acceptability Criteria established by the U.S. Department of Housing and Urban Development (HUD). If the appraiser identifies any issues that do not meet the criteria, the appraisal will be subject to repairs.

The repairs required will depend on the severity of the issues identified. Some common repairs required in an FHA appraisal include:

• Roof repairs or replacement
• Electrical system repairs or upgrades
• Plumbing repairs or upgrades
• Foundation repairs
• Heating and cooling system repairs or upgrades
• Structural repairs
• Safety hazards such as missing handrails or broken windows

It is important to note that the repairs required must be completed before the loan can be closed. The lender will typically require proof of completion of the repairs before funding the loan.

If the repairs are minor, the appraiser may allow for the repairs to be completed after the loan is closed, but before the loan is insured by the FHA. In this case, the lender will hold back a portion of the loan funds to ensure the repairs are completed.

It is important for borrowers to understand that the cost of the required repairs is the responsibility of the borrower, not the seller. If the borrower cannot afford to complete the required repairs, they may need to look for a different property or consider a different type of loan.

FHA Inspection Cost

FHA inspections are an essential part of the home buying process for those who are using an FHA loan. The cost of an FHA inspection can vary depending on several factors, including the location of the property, the size of the property, and the specific requirements of the inspection.

Typically, the cost of an FHA inspection falls between $300 and $500. However, this cost can be higher if the property is located in a high-cost area or if additional inspections are required. It is important to note that the cost of an FHA inspection is the responsibility of the borrower and must be paid at the time of the inspection.

It is also worth noting that FHA inspections are different from traditional home inspections. While a traditional home inspection is designed to identify any potential issues with the property, an FHA inspection is focused on ensuring that the property meets the minimum safety, security, and soundness standards set by the U.S. Department of Housing and Urban Development (HUD).

During an FHA inspection, the appraiser will evaluate the property’s condition and determine its value. They will also check for any health and safety hazards that could pose a risk to the occupants of the property. This includes things like structural issues, water damage, and chipping or peeling paint in homes built before 1978.

In summary, the cost of an FHA inspection can vary depending on several factors, but it is typically between $300 and $500. Borrowers should be aware that the cost is their responsibility and must be paid at the time of the inspection. Additionally, FHA inspections are focused on ensuring that the property meets minimum safety, security, and soundness standards, rather than identifying any potential issues with the property.