VA Loan Approval Home Inspection Checklist

When purchasing a home using a VA loan, it's essential to ensure the property meets the Department of Veterans Affairs' (VA) Minimum Property Requirements (MPRs). A thorough inspection helps protect both the buyer and the lender. Completing a thorough inspection based on this checklist can help ensure that the property meets the VA's MPRs and provides peace of mind for both the buyer and the lender.

Inspected by: [Your Name]

1. Structural Integrity:

• Check for any signs of structural damage, including cracks in the foundation, walls, or ceilings.

• Inspect the roof for any leaks, missing shingles, or signs of deterioration.

• Ensure that the windows and doors open and close properly.

2. Electrical System:

• Test all light switches and outlets to ensure they are working correctly.

• Check the electrical panel for any signs of wear or malfunction.

• Verify that there are no exposed wires or electrical hazards.

3. Plumbing System:

• Check for leaks under sinks, around toilets, and in the basement or crawl space.

• Test the water pressure in all faucets and showers.

• Ensure that the water heater is in good working condition and properly vented.

4. HVAC System:

• Inspect the heating and cooling systems to ensure they are functioning properly.

• Replace air filters if necessary.

• Check the ductwork for any signs of damage or leaks.

5. Safety Features:

• Verify that smoke detectors are installed on each floor of the home and test them.

• Ensure that there are carbon monoxide detectors installed near sleeping areas.

• Check for handrails on stairs and secure banisters.

6. Exterior:

• Inspect the exterior walls for any signs of damage, such as cracks or rot.

• Check the condition of the siding, paint, and trim.

• Ensure that the gutters and downspouts are clear of debris and draining properly.

7. Environmental Hazards:

• Look for any signs of mold or mildew in the basement, attic, or bathrooms.

• Test for radon gas if it is prevalent in the area.

• Check for the presence of lead-based paint in homes built before 1978.

8. Accessibility:

• Ensure that there are no accessibility barriers for individuals with disabilities.

• Verify that ramps, handrails, and doorways meet ADA standards if applicable.

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