VA Appraisal vs. Home Inspection: Why Veterans Need Both

When you're buying a home with a VA loan, it can feel like there are a million moving parts. But if there's one area where confusion can cause serious issues down the line, it's understanding the difference between a VA appraisal and a home inspection.

We’ve had too many conversations that start with: "The VA will send an inspector out, so we don’t need a home inspector”

Let’s break it down.

What Is a VA Appraisal?

If you’re using a VA loan, the VA appraisal is mandatory. It’s ordered by your lender to:

• * Confirm the market value of the home
• * Ensure the property meets the VA’s Minimum Property Requirements (MPRs)

These MPRs are designed to ensure the home is safe, structurally sound, and sanitary. Think of them as the VA’s baseline standards.

The VA appraiser will check:

• The roof (is it leaking?)
• Heating (does it work?)
• Electrical and plumbing basics (functional, not fancy)
• Peeling paint (especially for older homes)
• Safe access to and from the property

What it’s not: A deep dive into every detail of the home.

What Is a Home Inspection?

A home inspection is optional (but in our opinion, it shouldn’t be). It’s paid for by the buyer and conducted by a licensed inspector who works for YOU.

The home inspector checks:

• Roof, attic, insulation
• Plumbing and electrical systems
• HVAC systems
• Structural elements
• Appliances
• Windows, doors, and more

They’ll flag both minor and major issues, giving you a full picture of the home’s condition. It’s your opportunity to find out what’s under the hood.

Why it matters: You can use the inspection report to renegotiate the contract, request repairs, or even walk away.

Real Talk: Why You Need Both

Here’s the key difference:

• The VA appraiser protects the lender (and you from overpaying).
• The home inspector protects YOU.

Skipping an inspection just because the home passed the VA appraisal is like buying a car after someone glanced at the tires but never looked under the hood.

We’ve seen:

• Hidden water damage
• Failing AC systems
• Old electrical panels that don’t meet insurance requirements
• Roof issues that the appraiser missed but the inspector caught

In Florida especially, issues with plumbing, roofing, and flood risk can turn into expensive surprises fast. You want peace of mind, not problems.

The Bottom Line for Veterans

Your VA loan is a powerful benefit. It helps you get into a home with zero down and favorable terms. But to protect that investment, you need to go one step further.

Always get a home inspection.

You’ve earned this benefit through your service—make sure you’re using it wisely.

Have questions about navigating the VA loan process in Tampa Bay? We’re veteran REALTORS® who specialize in helping military families buy with confidence. Reach out anytime. We’ve got your six.