🏠 What FHA Minimum Property Standards Cover
1. Purpose
FHA Minimum Property Standards ensure homes are safe, structurally sound, and livable, protecting both lenders and buyers.
2. Interior Requirements
Functional systems: Electrical, plumbing, HVAC, and hot water must be fully operational.
Bathrooms: Sinks, toilets, and showers/tubs must work properly and provide hot water.
Safety and health hazards: Issues such as missing handrails, holes in walls or floors, deteriorated windows or stairs, and peeling paint (especially lead-based in pre-1978 homes) are not allowed.
3. Exterior Requirements
Access: The property must have safe, year-round access to a public street.
Roof: Must have at least 2 years of remaining life. Appraisers look for signs of leaks, missing shingles, and proper drainage.
Foundation and grading: No significant cracks or settling, proper drainage, and compliance with local building codes.
✅ Why It Matters
FHA appraisals assess both property value and physical condition, including safety, health risks, and structural soundness.
Homes not meeting standards must be repaired prior to FHA loan approval.
Quick Checklist
Area | Must-Have Conditions |
Interior | Operational plumbing, electrical, HVAC; no lead paint; secure railings; no damage |
Exterior | Safe public access; roof with ≥2 years life; stable foundation and drainage |
💡 Bottom Line
FHA guidelines are designed to ensure that the home is safe, livable, and move-in ready—not a major fixer-upper. Meeting these standards is essential to qualify for FHA-backed financing.
