What repairs do you have to make for a FHA deal.

For an FHA loan, the appraiser isn’t just valuing the home—they’re also checking that it meets FHA Minimum Property Requirements (MPRs). If it doesn’t, certain repairs are mandatory before closing (or sometimes can be escrowed and completed right after).

Here’s a clear, practical breakdown 👇

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Repairs FHA Typically Requires

🏠 Safety & Health

• No exposed wiring or electrical hazards

• Functional heating system (must heat the house adequately)

• Working smoke detectors (and CO detectors where required)

• No gas leaks

• Safe stairways with handrails if required

• No trip hazards (uneven steps, broken walkways)

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🌧️ Roof & Water Intrusion

• Roof must have at least ~2 years of remaining life

• No active leaks

• No visible water damage or mold

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⚡ Electrical, Plumbing & HVAC

• All utilities must be on and operational at appraisal

• Plumbing must work—no leaks, adequate water pressure

• Electrical system must be safe (no missing outlet covers, exposed wires)

• HVAC must function as intended (no space heaters as the main heat source)

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🪟 Structure & Exterior

• Foundation must be structurally sound (no major cracks or movement)

• Peeling/chipping paint must be fixed on homes built before 1978 (lead-based paint rule)

• Windows must open/close and be intact (no broken panes)

• Exterior doors must lock and provide proper egress

• Gutters/downspouts should direct water away from the home

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🏡 General Livability

• Kitchen appliances aren’t required, but there must be:

  • A working sink

  • Space and hookups for a stove

• Bathrooms must have:

  • A working toilet, sink, and shower/tub

• The property must be accessible year-round

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Repairs FHA Does NOT Usually Require

• Cosmetic updates (paint color, carpet wear, outdated cabinets)

• Minor cosmetic cracks

• Landscaping aesthetics (unless it affects drainage or safety)

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Who Pays for FHA Repairs?

• Negotiable: seller, buyer, or credits

• Repairs must usually be completed before closing

• Some repairs can be escrowed (weather-related, minor items)

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Pro Tip (This Saves Deals)

If you’re selling, fix obvious FHA issues before listing.
If you’re buying, get a pre-inspection so FHA repairs don’t derail the deal late.

If you want, tell me:

• Are you buying or selling?

• Single-family, condo, or manufactured home?

• Approximate year built?

I can tailor this exactly to your situation and help you avoid last-minute surprises.