What are the requirements for a living unit?

The mortgagee must confirm that each living unit contains: 

•     a continuing and sufficient supply of safe and potable water under adequate pressure and of appropriate quality for all household uses; 
•     sanitary facilities and a safe method of sewage disposal. Every living unit must have at least one bathroom, which must include, at a minimum, a water closet, lavatory, and a bathtub or shower; 
•     adequate space for healthful and comfortable living conditions; 
•     heating adequate for healthful and comfortable living conditions; 
•     domestic hot water; and 
•     electricity adequate for lighting, cooking and for mechanical equipment used in the living unit.  

The mortgagee must ensure that cabinets and built-in appliances that are considered real property are present and operational.   FHA does not have a minimum size requirement for one- to four-family dwellings and Condominium Units (except that a manufactured home must have a minimum size of 400 square feet to qualify for FHA financing). 

For additional information see Handbook 4000.1:II.A.3.a.ii(F) and II.D.3.c.vii(A) at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-03933