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3 S’s Safety, Security, And Soundness: FHA Repairs

February 21, 2013

2012-07-19 16.03.31

FHA Repairs

Required repairs are limited to those repairs necessary to preserve the continues marketability of the property and to protect the health and safety of the occupants

  • Safety: protect the health and safety of the occupants
  • Security: protect the security of the property (security for the FHA insured mortgage)
  • Soundness: correct physical deficiencies or conditions affecting structural integrity

The following is a list of the most common repairs required for the FHA financing, this list is meant to be a preliminary guideline, and is not intended to be comprehensive, or all-inclusive.

Utilities(all systems must be tested and functioning)

  • Electricity is on
  • Water is on
  • Gas is on (propane included)

Water heater

  • Turned on and functioning
  • Adequate gas exhaust ventilation
  • Seismic (earthquake) straps properly installed
  • PRV (pressure relief valve) installed
  • 3/4″ copper PRV overflow pipe properly installed

Heating and Cooling Units

  • Must be in place and in working order

Kitchen appliances (functional)

  • Range/oven is required (only if a built-in unit)
  • (free-standing/slide in units Not required)
  • Dishwasher is required (only if built-in unit)
  • heating & cooling units


  • Correct chipping or peeling paint (pre 1978 lead based paint abatement)
  • No Bare wood (must be sealed-paint or sealant)

Electrical Wiring (adequate & not exposed)

  • Adequate GFCI (Ground Fault Circuit Interrupter) outlets (in wet locations-bathrooms, kitchens, laundry rooms and outdoors)
  • Main electrical panel (exterior ^ interior covers)
  • plug/switch covers must be installed
  • Fixture sockets must be covered
  • No exposed wiring(or romex) below 8 feet in the garage


  • adequate hot water
  • adequate water flow in all faucets and toilets

Firewall (no breaches)

  • fire door with an automatic closing mechanism (must close and latch automatically)
  • No holes in wall, fire door, or finished garage ceiling (including animal doors or missing handles)


  • replace broken window panes (cracked ok)
  • windows must open adequately
  • security bars (must have one quick release per room)


  • Must be filled with clean water
  • filter must be functional (heater need not work)

Miscellaneous items (requiring repair or action)

  • floor covering (no bare concrete)
  • roof covering (roof certification needed if excessively worn or missing shingles)

Any other conditions which are a risk to the health and safety of the occupants Must be corrected. (refer to the HUD manual 4150.2 – manual in its entirety for specific details)

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