Roberta's Las Vegas Real Estate Blog: FHA Loans - Stoves NOT Required

FHA Loans - Stoves NOT Required

With the REOs out there, it isn't unusual to run into home where the appliances moved out with the former owners. Unfortunately these foreclosure bargains are also in the price range of many hoping to use FHA loans. There was a general opinion out there that a stove had to be in the home for it to meet the minimum standards for FHA. I've run into this some time ago, and found that in 2006 there where changes made and that appliances in general were no longer required, but only noted if they were there on the new Fannie Mae Uniform Residential Appraisal Report - Form 1004.

For those that still don't believe that stoves are NOT required by FHA, here's a response directly from them.

Thank you for contacting the FHA Resource Center.  Below is a summary of your request and our response.
If this issue is not resolved to your satisfaction, you may reopen it within the next 2 days.
Thank you for allowing us to be of service to you.
FHA Loan Questions
Discussion Thread
Response (James Talley) - 06/11/2008 04:13 PM
Thank you for contacting the FHA Resource Center.  Please see the following response to your inquiry.
Must a new or existing home have a stove in order to be eligible for FHA financing?

Neither a new home nor an existing home has to have a stove in order to be eligible for FHA financing.
DISCLAIMER: All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.
For further assistance please contact the FHA Resource Center at or by calling 1-800-225-5342 (1-800-CALL-FHA). 

In addition to this, cosmetic repairs were also changed. This from the New Appendix D Valuation Protocol

Cosmetic repairs are not required; however, they are to be considered in the overall condition rating and valuation of the property. Examples of cosmetic repairs would include surface treatments, beautification or adornment not required for the preservation of the property. For example, generally, worn floor finishes or carpeting, holes in window screens, or a small crack in a windowpane are examples of deferred maintenance that do not rise to the level of a required repair but must be reported by the appraiser.

Appendix D is found here

For a general idea of plain English guidelines, subject to the appraisers discretion, this Florida site may give you a better idea of what is or isn't required for FHA loan qualification.

FHA Checklist at this Website - Found in Menu on Left of Page

Hope this helps to clear up some of the confusion for you and your clients!

If you are interested in
relocating to Las Vegas or would like information on Las Vegas real estate, please email me  or call me at 702-354-8988.  I look forward to hearing from you!


Roberta's Las Vegas Real Estate Blog

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Comment balloon 10 commentsRoberta LaRocca • June 11 2008 10:43PM


Hi Roberta!  Good info to know and you are definitely a mythbuster!  Thanks for sharing and tell Sparky I say "Woof!"

Posted by Steve Shatsky over 12 years ago

What a saving grace with the FHA guideline reform. They use to pick about everything!

Posted by Craig Smith, Frederick MD Real Estate (Re/Max Achievers) over 12 years ago

Steve:  Always happy to share good information!  Sparky "Woofed"back to you!

Craig:  Yes, it is good that FHA is a little less picky and it helps to have some guidelines to follow!

Posted by Roberta LaRocca, REALTOR®, Broker, Salesperson, NV. Lic BS.507 (Simply Vegas Real Estate) over 12 years ago

Roberta-I heard this, but wassn't sure if it was fact or fiction....thanks for clarifying for us.

Posted by Kathy McGraw, Riverside County CA Real Estate (CELLing Realty) over 12 years ago

Kathy: Always glad to help!

Posted by Roberta LaRocca, REALTOR®, Broker, Salesperson, NV. Lic BS.507 (Simply Vegas Real Estate) over 12 years ago

Never was part of their checklist. Some underwriters are more strict than the FHA protocol.

Posted by James Graner (Residential Services: over 12 years ago

James: This issue has caused a lot of confusion for agents, buyers and lenders.  I'm glad we finally have a clear answer.

Posted by Roberta LaRocca, REALTOR®, Broker, Salesperson, NV. Lic BS.507 (Simply Vegas Real Estate) over 12 years ago

Does a TX VA Loan require stove?

Posted by Archie almost 11 years ago


Have the regulations changed in 2010?  I am in the process of purchasing a foreclosure and the home does not have appliances.  I've heard conflicting information from different lenders.  Some require applicances at closing and some do not.  Please let me know how I can confirm this and which leders do not require applicance at closing.  In case it falls through and I do not close I do not want to be responsible for returning the applicances.  Please advise.  

On another note...what are your thoughts or experiences using either Quicken, Ditch, or Churill?   

Thank you,


Posted by Lisa about 10 years ago

Lisa, Just from the number of lender hits on this post from across the country and from the big banks, there's still confusion about this issue. HUD/FHA only requires that there be a 'cooking area' in the home, and that 'if' there are any appliances they must be in proper working order. Any available appliance connections must also be in accordance with any local codes. HUD/FHA defers this to local regulations, and their primary requirements are safety of the home, not so much for cosmetics or contents.

Unfortunately there is some grey area here, and it often comes down to opinion or policy of individual appraisers and underwriters, or if there might possibly be local regulations that could require appliances, or areas where they are considered as real property vs. personal property. There can also be some question as to what is considered 'built in' appliances as real property. An under counter dishwasher is most often considered 'built-in', but I've heard of drop-in cook tops that have been called built-in, and some others not.

Again, these are more opinions or policy of individual appraisers and lenders, or possibly local laws, not an 'FHA requirement' as it is often called. You can see that in the response I received, and can feel free to verify it with them yourself with the email link or phone number I provided in the post. For the lenders, that is a policy question to ask them individually. This is why it's always best to shop financing first, rather than finding a home and scrambling to find someone who will fund it or risk loosing it.


Posted by Roberta LaRocca, REALTOR®, Broker, Salesperson, NV. Lic BS.507 (Simply Vegas Real Estate) about 10 years ago