Fha Attic Requirements

Because there is no definition of attic assumptions have been made by fha and appraisers that the attic includes any space above the ceiling and below the roof inside dwellings despite that space in modern design homes typically not having any flooring.

Fha attic requirements.

Clarifying that fha requires an inspection. Fha has always had a requirement for appraisers to inspect attics. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. Regarding attic ventilation nrca recommends designers provide at least 1 square foot of nfva for every 150 square feet of attic space 1 150 ventilation ratio measured at the attic floor level ceiling.

All appropriate approaches must be utilized when applicable. Fha does not have a specific requirement for insulation. Cost and income approach for value. Roofs and attics the roofing must keep moisture out.

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. Always have a balanced ventilation system. 4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. The roofing must be expected to last for at least two more years.

General acceptance criteria property eligibility and non residential use of property. The covering must prevent moisture from entering and provide reasonable future utility durability and economy. If the inspection reveals the need for roof. The appraiser must inspect the attic for evidence of possible roof problems.

For large volume attics such as where roof slopes are greater than 8 12 designers also should consider increasing. The appraiser is required to report what they see and if they reported that the home did not have insulation then the lender probably made this a requirement to get the loan. However hud fha does not have a real definition of attic in their documentation. The roof should have a remaining physical life of at least two years.

Mortgagees bear primary responsibility for determining eligibility. But that s not all the fha also requires a minimum amount of durability. If you use an fha loan to buy a house the property will have to be appraised and inspected by a hud approved home appraiser. Federal housing authority recommends a minimum of at least 1 square foot of attic ventilation evenly split between intake and exhaust for every 300 square feet of attic floor space.

The house must beek building code so this may be where the hang up is. Attic and crawl space inspection requirements.