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FHA and USDA Appliance Requirements

January 22nd, 2021 by Sean Stephens

FHA and USDA Appliance Requirements in FloridaDo USDA or FHA appraisals require a stove or other appliances to be present in the property? What are FHA and USDA appliance requirements?

In today’s short video I am going to share with you the details on FHA and USDA appliance requirements so you can be prepared for that next appraisal!

However, before we get started, don’t forget to take advantage and download our “USDA Blueprint for Success.” This free guide is designed to walk you through the USDA process step-by-step. Plus, it’s an excellent tool for both homebuyers and realtors alike.

FHA and USDA Appliance Requirements

As a starting point, USDA and FHA loans are both governed by minimum property requirements found in HUD Handbook 4000.1.

In turn, HUD Handbook provides the following definition for appliances:

Appliances refer to refrigerators, ranges/ovens, dishwashers, disposals, microwaves, and washers/dryers.”

Further, the handbook also states that any appliances, from those listed above, “Are to remain and that contribute to the market value opinion must be operational.”

It also requires that the “Appraiser must note all appliances that remain and contribute to Market Value.”

Do USDA or FHA appraisals require appliances to be present on the property?

FHA and USDA Appliance Requirements in Florida

In summary, despite what many think, stoves and other appliances are not required. However, for those appliances that do remain and contribute to market value, they must be operational!

For example, while you don’t necessarily have to have a stove, if there one there, it should be in working condition!

Remember, as your government loan experts, our team is ready to work for you! Whether it be FHA, VA, or USDA Rural Housing Loans – Just call or email to discuss your scenario and let us show you the “Metroplex” difference.

800-806-9836 Ext. 280
SeanS@MPLX.org

I want everyone to make it a great day, and I look forward to seeing you right here for the next tip of the week!

P.S. – You can download our “USDA Blueprint for Success” by CLICKING HERE.

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