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Are inspections required for a USDA loan?

April 20th, 2018 by usdaadmin

Do USDA loans require certain inspections?

This is an extremely common question that we receive, because once a sales contract has been signed and any inspections periods have begun, many then wonder what type of inspections are required for a USDA loan? 

Having this information upfront can help reduce unnecessary stress and be better prepared for the loan process.

Don’t forget that in addition to our USDA expertise, we are also a VA approved lender, work daily with low down payment conventional loans, and the FHA program.  Realtors and buyers refer to us for our overall Government loan experience, so keep us in mind for your next pre-qualification or when you just need that expert 2nd opinion! 

So, are inspections required for a USDA Loan?

Tampa FL USDA Approved Lender


Home Inspections

As a starting point, while USDA loans do not require home inspections, but we do encourage them for a buyer’s best interest.


While appraisals are known for establishing the property’s value, it will also provide an overview of the property and determine if it meets minimum property conditions as outlined per USDA and HUD Handbook guidelines.

However, remember that this should not be treated as a substitute for a home inspection

Additionally, if the appraisal cites the need for any inspections such as for the roof, foundation, plumbing, septic tank, etc., then these specific inspections would then be required.

Private Wells or Individual Water Systems

Tampa FL USDA Approved Lender List

USDA guidelines for private wells or individual water systems owned and maintained by the homeowner require that a water test be completed that meets either state or local requirements.  

This test must be completed through either the local health authority or a state certified laboratory.  If no such requirements exist, levels established by the EPA 


Septic Tank and Termite Inspections

Further, septic tank or termite inspections are not required for a USDA loan unless otherwise required by the appraiser or as determined by underwriting.


In summary, when questions arise about what type of inspections are required for a USDA loan remember the following:Tampa FL USDA Approved Lender List

  • While home inspections are highly encouraged, they are not required
  • After appraisal is completed, additional inspections may be required
  • Private Wells and individual water systems require a water quality test
  • No specific septic tank inspections, unless required by the appraisal

As you know by know, USDA loans are in the blood of my entire team!  As a USDA Approved Lender, Metroplex Mortgage Services is proud to serve our rural communities. 

800-806-9836 Ext. 280

Just call or email if you have any USDA qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for both existing transactions & pre-qualifications

I want everyone to make it a great day, and look forward to seeing you right here for the next tip of the week!

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