VA Loan Property Checklist

General Property Requirements

• Safe, Sound, and Sanitary Condition
  • Is the home free of major structural issues (e.g., foundation cracks, roof damage)?
  • Are there any visible signs of mold, mildew, or water damage?
• Proper Access
  • Does the property have adequate and unrestricted access from a public or private road?

Roof and Foundation

• Roof Condition
  • Is the roof in good condition, with no visible leaks or missing shingles?
  • Does the roof appear to have at least five years of life remaining?
• Foundation Integrity
  • Are there any visible cracks or signs of instability in the foundation?

Electrical and Plumbing Systems

• Electrical Safety
  • Is the electrical system functioning and free of exposed or unsafe wiring?
  • Are all outlets, switches, and fixtures working properly?
• Plumbing
  • Is the plumbing system operational, with no visible leaks or issues with water pressure?

Heating and Cooling Systems

• Heating
  • Is the home equipped with a working and safe heating system that can adequately heat the entire house?
• Cooling (if applicable)
  • If present, does the air conditioning system function properly?

Water Supply and Sanitation

• Water Source
  • Is the property connected to a public water system, or is the private well functional and safe?
• Sewer or Septic
  • Does the property have access to a public sewer or a functioning septic system?

Interior Condition

• Flooring
  • Are floors stable, intact, and free from major wear or damage?
• Windows and Doors
  • Do all windows and doors open, close, and lock properly?
  • Are any windows broken or cracked?

Exterior Condition

• Paint
  • Is exterior paint in good condition, with no chipping or peeling (important for homes built before 1978 due to lead-based paint concerns)?
• Siding and Gutters
  • Is siding in good condition, and are gutters functional and properly attached?

Safety Standards

• Handrails
  • Are handrails installed and secure for any stairs or steps?
• Smoke and Carbon Monoxide Detectors
  • Are detectors present and functional?
• Fire Hazards
  • Is the property free of visible fire hazards (e.g., blocked exits, faulty electrical work)?

Outbuildings and Additional Features

• Condition of Outbuildings (if applicable)
  • Are any sheds, barns, or garages in good repair and safe to use?
  • Do any outbuildings affect the property’s overall value or eligibility?

Utilities

• Operational Utilities
  • Are water, electricity, gas, and other essential utilities connected and operational?
• Heating Fuel
  • If applicable, does the home have a reliable fuel source (e.g., propane, oil)?

Pests and Environmental Concerns

• Pest-Free
  • Are there any signs of pest infestations (e.g., termites, rodents)?
• Environmental Issues
  • Is the property free of environmental hazards (e.g., radon, asbestos)?

General Notes

• Take detailed notes and photos of any areas of concern to discuss with your client and the VA appraiser.