Does the seller have to do repairs to a house for a buyer to qualify for a usda loan?

Asked by dlroe, Alva, OK Tue Oct 23, 2012

Can the repairs be paid for by lowering the price of the house and the buyer doing the repairs?

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Will Russell, Agent, Saint Augustine, FL
Tue Feb 24, 2015
It depends on the terms of the contract. I would be sure you read over your contract carefully.
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Brad Barfield, Agent, Saint Augustine, FL
Tue Oct 23, 2012

Danielle is correct, it will usually depend on the type of contract you are using when the offer is accepted. The best bet would be to check with your lender and to speak to an experienced agent before making your decisions on type of financing.
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Danielle Sha…, Agent, Cape Coral, FL
Tue Oct 23, 2012
Depending on the type of contract your offer was written on. If an "As Is" contract was used then the seller is not obligated to make any repairs. You can certainly try renegotiating repairs and/or price.
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Scott Godzyk, Agent, Manchester, NH
Tue Oct 23, 2012
It depends what the repairs are. If the are cosmetic yes, if they are things such as roof, plumbing electric, heating or safety issues, than maybe not. USDA usually requires written estimates on company letterhead from a licensed contractor. The key is what teh appraiser says is required. Speak with your oan officer and ask these ponted question to them so you know what they will and will not allow.
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