FHA Home Loan Appraisals - Kitchens and Bathrooms

The following are the general guidelines required for a property.  Any condition not met by the list below may require the property to be repaired in order to meet FHA appraisal guidelines.  Refer the HUD handbook 4150.2 for more information.

Kitchens and Bathrooms:

A property must have adequate water supply and fixtures to support its use.  This guideline requires an appraiser to check:

• the function of toilets and observe any evidence of leaks

• for structural damage under fixtures and the presence of puddles

• for any obvious evidence of malfunction of the sewer system

• the sinks and pipes for leaks

• if the home has running water

• any significant drop or limitation in water pressure

An appraiser may require the repair or replacement of countertops and flooring wherever underlayment is exposed or damaged.