The VA home loan benefit, from service record to front door
Chapter 3: safe, sound and sanitary
Bottom line
VA requires the home to be safe, structurally sound and sanitary. A VA-assigned appraiser checks value and these minimum property requirements, such as working heat, safe water, a sound roof, safe electrical systems and adequate access. If something fails, it usually has to be repaired before closing, and the purchase contract decides who pays.
Last reviewed against the primary sources listed below.
What the appraisal checks
- Value compared with the contract price.
- Roof, structure and foundation.
- Heating, water supply and sewage disposal.
- Electrical safety and hazards such as damaged paint on older homes.
- Safe access to the property.
If repairs are required
The appraiser lists required repairs. They are typically completed and re-inspected before closing. Negotiate who pays in the contract. The detailed rules are in the VA Lenders Handbook.
Getting ahead of it
Ask your agent to flag obvious issues before you offer, and get your own home inspection. A VA appraisal is not an inspection.
What veterans and families ask
What does a VA appraisal checklist include?
Value, plus VA's minimum property requirements: sound structure and roof, working heat, safe water and sewage, safe electrical systems, no hazards, and adequate access.
Is a VA appraisal the same as a home inspection?
No. The appraisal checks value and minimum standards for VA; an inspection is a deeper review for your own protection.