Stove Requirements on FHA Loans

Every different loan program has a very specific set of guidelines that a property must meet in order to be eligible for financing.  FHA bases its core property requirements around three basic principles.

Does An FHA Mortgage Require That a Property Have a Stove?

The answer is NO.  FHA specifically states that a property must have a space for cooking however there is no requirement that states that a property must have a stove present.  If the stove is missing, you will want to make sure that there are no conditions related to the missing stove that cause a potential FHA safety violation (ex: loose and exposed wiring for stove).  Safety violations would present an eligibility issue with FHA.   Click HERE for a complete list of HUD/FHA’s property requirements.

Now for a little twist.  Typically, an FHA appraiser will require that if a stove is in the home that it must be in good working order.  If a property has a stove in it that is broken, the appraiser will usually require that the inoperable stove be removed prior to closing.  So, the moral of the story is if there a stove in a home being purchased using FHA financing make sure it is fully functional.  If it is broken, get it out of the home.  If there is no stove, no problem.  No stove is required – only a space for a stove is mandatory.

Please let me know if you have any other questions about the property requirements for an FHA Mortgage.

By Jeremy House


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Jeremy is the Founder of The HOUSE Team and a Sr. Loan Officer/Branch Manager with PrimeLending. Over the past several years he has ranked in the top 1% of all loan officers nationwide and one of the top 200 loan officers in America. In the mortgage industry, the devil is in the details. Jeremy prides himself on being a student and an expert when it comes to everything mortgage related.

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