VA Home Loan Inspection Checklist

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.