Call to get Pre-Qualified: 800-806-9836 x280
USDA Loan Pro Logo
USDA Vendor Logo Florida USDA No #1 Lender

What are USDA Appliance Requirements? Do USDA Loans Require a Stove?

August 11th, 2023 by Sean Stephens

What are USDA loan appliance requirements? Do USDA Loans Require a stove in Florida, Texas, Tennessee, or Alabama?

Do USDA or FHA appraisals require a stove or other appliances to be present in the property? FHA and USDA Appliance Requirements

In today’s short video, I will share with you the details on USDA and FHA appliance requirements so you can be prepared for that next appraisal!

However, before we get started, don’t forget to take advantage and download our “USDA Blueprint for Success.” This free guide is designed to walk you through the USDA process step-by-step. Plus, it’s an excellent tool for both homebuyers and realtors alike.

What are USDA and FHA Appliance Requirements in Florida, Texas, Tennessee, or Alabama? Do USDA Loans Require a Stove?

As a starting point, USDA and FHA loans are both governed by minimum property requirements found in HUD Handbook 4000.1.

In turn, HUD Handbook provides the following definition for appliances:

Appliances refer to refrigerators, ranges/ovens, dishwashers, disposals, microwaves, and washers/dryers.”

Further, the handbook also states that any appliances, from those listed above, “Are to remain and that contribute to the market value opinion must be operational.”

It also requires that the “Appraiser must note all appliances that remain and contribute to Market Value.”

Do USDA or FHA appraisals require a stove or other appliances to be present on the property?

In summary, despite what many think, stoves and other appliances are not required. However, for those appliances that do remain and contribute to market value, they must be operational!Sebring FL USDA Lender

For example, while you don’t necessarily have to have a stove, if there one there, it should be in working condition!

Remember, as a USDA approved lender, let our experience go to work for you! – Just call or email to discuss your scenario and let us show you the “Metroplex” difference.

800-806-9836 Ext. 280

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

P.S. – You can download our “USDA Blueprint for Success” by CLICKING HERE.

back to top