FHA, VA & USDA Termite Inspection Requirements Explained

If you’re buying a home using a government-backed loan — like an FHA, VA, or USDA loan — there’s one box you may need to check before closing: the termite inspection.

These inspections are more than a formality. Termites can cause serious, often hidden damage to a home’s structure — and lenders want to ensure the property is pest-free before signing off. Understanding what’s required (and when) can help prevent delays and unexpected costs during your homebuying process.

At Specter Pest Control, we’ve worked with homeowners, real estate agents, and lenders to provide fast, reliable termite inspections that meet FHA, VA, and USDA standards. Let’s walk through what each of these loans requires — and what you need to know before your inspection.

Why Termite Inspections Matter for Home Loans

Termites cause billions of dollars in damage each year in the U.S., and the worst part is, most of it is hidden behind walls and under floors. Because structural integrity directly affects a property’s value, lenders want confirmation that the home is termite-free before issuing funds.

Depending on the loan type and the region, this inspection may be required upfront — or only triggered if there’s evidence of a current or past infestation.

FHA Loan Termite Inspection Requirements

Federal Housing Administration (FHA) loans are popular among first-time buyers because of their lower down payment and credit score requirements. But when it comes to termites, the FHA’s stance is clear:

• Termite inspections are required if the property is in an area known for termite infestation or if there’s visible evidence of past or current activity.

• Inspections must be completed by a licensed pest control professional.

• If termites are found, treatment and repairs must be completed before closing.

In short: if you’re in a termite-prone state (like most of the southern U.S.), there’s a strong chance your FHA loan will require a termite inspection.

VA Loan Termite Inspection Requirements

VA loans — backed by the Department of Veterans Affairs — have some of the strictest guidelines when it comes to termite inspections. That’s because the VA wants to protect veterans from moving into unsafe or unsound homes.

• Termite inspections are required in most states, including the entire Southeast, Southwest, and many parts of the Midwest.

• VA loans require the use of a specific form: NPMA-33, completed by a licensed inspector.

• The buyer cannot be charged for the termite inspection in many states (the seller or another party must pay).

Even if you don’t see visible damage, the VA will want documentation showing the home is free of wood-destroying insects — especially termites.

USDA Loan Termite Inspection Requirements

USDA loans, designed for rural and suburban homebuyers, have slightly more flexible pest inspection rules:

• Termite inspections are generally required if there is evidence of damage or if the appraiser flags concerns.

• Some USDA-approved lenders may require it in termite-prone areas regardless of signs.

• Like FHA and VA, USDA inspections must be done by a qualified, licensed pest professional.

Because USDA loans focus on habitability and long-term value, a clean termite report is essential for approval.

What Happens During a Termite Inspection?

During a termite inspection, a licensed professional will:

• Examine the interior and exterior of the home, including crawl spaces, basements, attics, and garages

• Look for mud tubes, wood damage, discarded wings, and live termites

• Identify any conditions conducive to infestation, such as moisture issues or wood-to-ground contact

• Complete any required forms, such as the NPMA-33 for VA loans

Inspections are typically completed in under an hour, and a report is delivered the same or next business day — perfect for real estate timelines.

How Specter Pest Control Helps with Real Estate Termite Inspections

At Specter Pest Control, we know how important a smooth real estate transaction is — especially when deadlines are tight. That’s why we offer:

•  Same-day or next-day appointments
  
• Licensed, experienced inspectors familiar with FHA, VA, and USDA paperwork
• Clear documentation including NPMA-33 forms
• Fast turnaround for reports and treatments (if needed)
• Honest, straightforward communication with buyers, sellers, and agents

Whether you’re buying your first home or refinancing with a government-backed loan, you can trust Specter to make the termite inspection process easy and stress-free.

Final Thoughts: Don’t Let Termites Delay Your Closing

Understanding termite inspection requirements is key to keeping your home purchase on track. If you’re working with an FHA, VA, or USDA loan — or buying a home in a termite-prone area — make sure to schedule your inspection early in the process.

And if termites are found? Don’t panic. With prompt treatment and a clear report from a trusted provider like Specter Pest Control, you can still close on time and with confidence.

Schedule your termite inspection today with Specter Pest Control — your local experts in safe, modern, and effective pest protection for homeowners.