Fha Dirt Floor Basement

Wood floor joists and 12 inches below bottom of chassis beam.

Fha dirt floor basement. Also assume there are windows in the foundation below the floor plate so natural light enters the basement. My ex husband looking to buy a home and go fha and soon i walk in the home all i smell was cat pee and cat sprayed all over the home down in basement to and they try to paint the walls to get odor out and wash the floor down there to but it didn t work and i told him you are not going to get that smell out the house and i m supposed to move in with him. Sump pumps are acceptable to hud provided that they are. Sump pumps in crawl space and basement areas.

A vapor barrier will help keep the levels of moisture down in the basement which can either compromise the home s foundation or increase the humidity level in the basement. Whether it s put beneath a concrete home slab before the concrete is poured in the crawl space or in a basement plastic will keep the moisture from transferring onto the bottom of floor joists and accumulating on your concrete floor or in your basement. Let us assume there is a staircase from the main floor inside the house that leads into the basement. When reviewing your closing checklist or simply trying to plan for all the expenses of your fha home loan the appraisal and the optional but vital home inspection are two of the expenses you ll need to save for.

Where it is necessary to pro vide access for maintenance and repair of me chanical equipment located in the under floor space the ground level in the affected area shall not be less than 2 feet below wood floor joists. Plastic installation is the norm for any home. Fha loan rules for including the basement in the appraisal are found in hud 4000 1 the fha single family loan handbook. Homes with dirt floors in the basement are more common than we realize.

The appraisal is required as a condition of loan approval the inspection is optional but borrowers cannot make a truly. A reader asks can i get an fha loan if the home has a dirt floor basement and mold in the bathroom there are two important things fha loan applicants should know about the fha appraisal process. Refer to cabo section r 309 see figure 5 1. Installing a vapor barrier over a dirt floor basement is an instant way to block moisture and insects from entering the basement space.

Appraisal rules for fha loans. Basements must be examined for dampness or wetness any obvious structural problems and the condition of the furnace hot water heater or other components located there. Lastly let us assume there is headroom when standing on the dirt floor. Federal housing administration fha loans must meet safety.

One is that the fha does not have a complete exhaustive list of every type of issue a home might have that could disqualify it from fha loan approval.