VA & FHA Loan Inspection Requirements: What to Know
VA & FHA Loan Inspection Requirements: What to Know
VA and FHA loans come with their own set of property requirements beyond a standard home inspection, and understanding them upfront can prevent delays later in your closing timeline.
Appraisal vs. Inspection Requirements
Both VA and FHA loans require an appraisal that includes a basic property condition check for health and safety issues — but this is not a substitute for a full home inspection, which goes into far more detail and is still strongly recommended even though it’s not required by the lender.
Common Additional Requirements
Depending on the property, VA and FHA guidelines may call for a clear WDI/termite report, well water testing for well-supplied homes, and septic inspection for septic-served properties — on top of standard safety items like working smoke detectors and secure handrails.
Call (828) 220-5758Book Your InspectionFrequently Asked Questions
Does a VA or FHA appraisal replace a home inspection?
No — the appraisal checks basic health and safety items for loan approval purposes; a full home inspection is a separate, more detailed evaluation still worth getting.
Do VA/FHA loans require a termite inspection?
It depends on the loan and location, but a clear WDI report is commonly required, especially for VA loans in termite-prone regions like North Carolina.
What if my well or septic doesn’t meet requirements?
Issues found during testing typically need to be resolved before closing; we can help identify problems early so there’s time to address them.