FHA Appraisal Guidelines 2026
What Appraisers Check Today - HUD Handbook 4000.1 (Updated Jan 2025)
FHA vs Conventional Comparison
| Aspect | FHA | Conventional |
|---|---|---|
| Focus | Value + Safety Inspection | Value Only |
| Repairs | Required for safety issues | Optional |
| Cost | $300–$600 | $400–$700 |
What Appraisers Check (2026 MPRs)
| Area | Requirements | DFW Issues |
|---|---|---|
| Roof | 2–5+ years life left | Shingle wear |
| Foundation | No major cracks | Clay soil movement |
| Safety | Handrails, egress windows | Missing rails |
| Lead Paint | No peeling (pre-1978) | Older Plano homes |
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Official Resources
HUD Handbook 4000.1[web:14]
Complete FHA standards
Download PDF
Latest policy document
Alicia Duffy | TeamDuffy.com | 214-682-5009
