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Under construction FHA

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Freshman Member
Feb 21, 2002
I am doing an FHA on a property that is 90 to 95 % completed according to the listing agent. I am getting plans/specs soon. My question is that if it is not complete and i do not need the V.C. sheets, Then at my inspection , am i only verifying what plans/specs will have? Do i do all the typical FHA inspections/samples?


Senior Member
Apr 23, 2002
Professional Status
Certified General Appraiser
My understanding is that you inspect the property per plans and specs. A HUD approved Compliance Inspector is the only one that can do a final inspection and she/he will verify that the final product complies with the plans and specs.


Junior Member
Jan 15, 2002
Doug, see the Homeownership Center Reference Guide (page 1-9-if I have the latest version); basically says:

if not 100% complete at time of appraisal:
a. must have complete set of plans, specs & builders cert;
b. appraiser will call for final inspection by FHA fee inspector; make the following statement in the appraisal "Property under construction; complete according to the submitted construction exhibits."
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