Shirley, Home Seller in Lewiston, ID

Will FHA loan on our house that still has knob and tube wiring? Our loan and inspection went through with flying colors 3 years ago.

Asked by Shirley, Lewiston, ID Tue Nov 17, 2009

trying to sell.

Help the community by answering this question:


Hi Shirley: the following paragraphs were copied from (online source of information about FHA appraisal requirements). In addition to regular FHA, there is a program called FHA Streamline that allows a buyer to borrow the "after repaired value" to include upgrades and repairs up to $35,000 as long as they can qualify for the loan amount. Good luck with the sale of your home!

"The FHA appraiser should examine the electrical box to ensure that there are no frayed or exposed wires. Electrical boxes may be either circuit breakers or fuses. Existing 60-amp service is acceptable if it appears that this is adequate amperage for the appliances present in the property, or those considered "standard" if the present appliances appear to be less than found in the "standard" home. Knob and tube wiring is acceptable if found to be in good condition and a minimum of 60-amps. For all electric homes and those with electric heat, 200-amps is recommended

In general, all habitable rooms must have a heat source. This does not mean that each room must contain a heating device but that each room must receive sufficient heat. In some situations where it is not feasible to extend the capacity of the main system, an electric and thermostatically controlled baseboard unit is acceptable provided it is permanently installed with concealed wiring.

Heating must be adequate for healthful and comfortable living conditions. This is defined as providing and maintaining a temperature of at least 50 degrees Fahrenheit in all living areas and areas containing plumbing systems. Further more, all permanent primary heating systems must be thermostatically controlled and properties with electric heat sources must have an acceptable electric service that meets the general requirements of the local municipal standards. "

Darla Schroeder, Realtor, GRI, e-PRO
Certified International Property Specialist Candidate
Transnational Referral Certification (TRC)
Century 21 Real Estate Champions
4350 Duhme Road
Madeira Beach, FL 33708
Cell (727) 541-3743

Search the MLS like I do at
0 votes Thank Flag Link Tue Nov 17, 2009
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2016 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer