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Old 12-19-2009, 10:30 AM
1 posts, read 5,655 times
Reputation: 11


I saw an older post from 2008 about this, but wanted to get a more updated answer. We want to make an offer on a home that is in great condition from what we see, it is only missing three appliances in the kitchen (Refrigerator, microwave, and stove). The seller is not accepting 203K loans, and we really want the home, but can not do conventional. Is there anyway, other than the seller paying for them, that we can still be able to get an FHA loan? We don't have a problem acquiring the appliances after we close. Please give me your thoughts.
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Old 12-19-2009, 10:45 AM
136 posts, read 507,319 times
Reputation: 62
If the seller is unwilling to pay for them I would just try to do Craigslist and get some free/cheap appliances just to get the loan closed.

We had this issue when we purchased our house. We bought the appliances and had them installed before closing a bit of a risk but we had access to the house so we could have gotten them out if the deal fell through.

I don't think the appraiser even looked to see if they were functioning just that they were in there.

You wouldn't need to get the microwave only the stove/refrigerator.
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Old 12-19-2009, 11:04 AM
Location: Tempe, Arizona
4,511 posts, read 10,960,657 times
Reputation: 2170
Actually, FHA shouldn't care about the refrigerator either. It's very common for them not to be included in the sale here. All you should need is the stove.
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Old 12-19-2009, 12:50 PM
Location: Mountain Ranch, CA & El Pescadero, BCS MX.
6,899 posts, read 17,495,787 times
Reputation: 6229
FHA appraisers are supposed to check that all appliance fixtures are functioning. Heck you might even try one of those rental places to have one in working order installed before the transaction.
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Old 12-23-2009, 09:20 PM
Location: Lansing
79 posts, read 367,528 times
Reputation: 62
I just closed an FHA deal where we asked the seller to provide a $1200 appliances allowance and a check was cut directly to Best Buy at closing for the appliances. It was on the seller's side of the HUD.
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Old 03-02-2016, 06:02 PM
1 posts, read 618 times
Reputation: 10
I want to buy a home that have three units to get a fha loan the three units need to have all the appliances in place and all of them have to be in living condition
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Old 03-03-2016, 12:29 PM
Location: El paso,tx
924 posts, read 326,088 times
Reputation: 1447
The stove is the only required appliance. Buy a cheap working one on cl after your inspection and agreement on repairs is worked out, but before appraisal and have it installed for the appraisal.
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Old 03-03-2016, 12:32 PM
Location: El paso,tx
924 posts, read 326,088 times
Reputation: 1447
You have to plan on occupying one of the units to do an fha. And there is also a cap on amount of loan fha will do.
Needs hvac and stove/cooktop/oven.
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Old 03-03-2016, 07:32 PM
333 posts, read 290,491 times
Reputation: 843
Find out when the appraiser is going, take your stove and refrigerator (microwave not required) over to the house and plug them in. Then wait for the appraiser to leave and take them back home. (you didn't hear it from me).

Also, make sure there is no peeling paint, exposed wires, etc. because if the appraiser has to come back for something else, you will have to move the appliances again.

FHA requires the appliances present and working if they are considered real property vs. personal property. That is usually location specific, but many appraisers and/or lenders will want them present.

Last edited by thebigW; 03-03-2016 at 07:35 PM.. Reason: extra
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