If you're buying with an FHA or VA loan, it's easy to assume the lender's appraisal already covers what a home inspection would. It doesn't — and understanding the difference can save you from a costly surprise after closing.
Appraisal vs. Inspection: They're Not the Same
An FHA or VA appraisal is ordered by your lender to confirm the home's value and that it meets minimum property requirements (MPRs) — basic safety, sanitation, and structural soundness standards. It is not a substitute for a full home inspection.
What FHA/VA Minimum Property Requirements Generally Cover
- Safe, functioning electrical, plumbing, and heating systems
- A structurally sound foundation and roof
- No obvious health or safety hazards
- Adequate access, egress, and property drainage
These are baseline standards, not a detailed evaluation — an appraiser is not looking as closely as a licensed home inspector will.
Why You Should Still Get an Independent Inspection
A full home inspection goes far beyond the appraisal, evaluating the roof, structure, electrical, plumbing, HVAC, attic, and interior in detail — giving you a complete picture before you're financially committed. Depending on what the appraisal or inspection turns up, your lender may also request additional documentation before closing.
Buying with an FHA or VA loan?
Get a full independent inspection alongside your appraisal so you know exactly what you're buying.
RESIDENTIAL INSPECTIONS SCHEDULE AN INSPECTION