Applying for usda loan, do i HAVE to get an appraisal/inspection?I know I SHOULD but i have a family friend who used to do it and is no longer certified but i trust him. Is an appraisal/inspection NEEDED?Also, can i have that included in closing costs or do i have to pay out of pocket?August 19 2013 - Cottage Grove0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.