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Do a home have to have a stove if its a FHA loan?

  • July 19 2009 - Fairfield
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Answers (4)

  • July 21 2009
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Profile picture for mammaamy
no. if it is part of the sale it must be functioning and usable. if it is not part of the sale it will not be used in the appraisal.
Just got a FHA loan, appliances were included, the ones that were there, but I owned many and did not choose to include them in the bid for the property.  The appliances in the sale did have to function, but were not required.
  • July 21 2009
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Yes.  Anything that affects livability, marketability, and saftey will be notated by a (FHA) appraiser on the report, and will have to be remedied prior to closing. 

You really want to buy a home that is move in ready anyway.  Unfortunately many of the REO properties have been vandalized or stripped by the previous homeowners and are missing appliances.  Lenders want to finance a home that is "move in ready" to set you up for the best possible experience as a homeowner, meaning you can live there as soon as it closes without sinking your own money into repairs or appliances.  Washer and dryer are not required, but they draw the line at a stove as you will want to be able to eat in your new home.  Some homebuyers using FHA financing on a purchase only have the program minimum required down payment of 3.5% (which can be gifted).  The FHA program does not have reserve requirements.  FHA was designed for a buyer to purchase modest housing that is move in ready. 
  • July 19 2009
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Yes. A Homes needs a stove and a working bathroom, a functioning heater and several other items in order to get approved for an FHA loan.
  • July 19 2009
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