COVID-19: Is the appraiser still responsible for identification of property deficiencies and minimum property requirements during the COVID-19 National Emergency?

While the FHA minimum property requirements (MPR) has not changed, the appraiser is required to observe, analyze, and report only what is evident based on the assignment scope of work.

FHA continues to revise its FHA Single Family COVID-19 information as needed to keep stakeholders updated with the latest information about FHA’s response to the Presidentially-declared COVID-19 national emergency.  Related information for FHA mortgagees, borrowers and other interested parties is available at and on the  website.

For additional information see Mortgagee Letters 2020-05 and 2020-20 available at

HQ Policy Determination - COVID-19 guidance

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-05433