VA appraisals have a reputation for being strict. In 2026, the VA made a handful of changes meant to cut down on repair requests that didn't protect the veteran buyer. The changes apply to VA appraisals ordered starting May 1, 2026.
What the VA removed or simplified
In a February 2026 change to the VA Lender's Handbook (Change 46 to VA Pamphlet 26-7, Chapter 12), the VA struck five minimum property requirements it called superfluous:
- Detached improvements: structures like sheds and detached garages that aren't livable no longer have to meet minimum property requirements. An appraiser can still flag a real safety hazard.
- Non-vented heaters: the specific rule was removed.
- Radon gas: no longer a standalone minimum property requirement.
- Paint on homes built 1978 or later: the requirement was condensed.
- Related improvements language for homes built before 1978 was trimmed.
Why it matters
Fewer technical repair conditions can mean fewer surprises between contract and closing. If you've heard that VA loans are harder to close because of appraisals, parts of that reputation are now out of date.
What didn't change
A VA appraisal still does two things: it establishes the home's market value, and it confirms the home meets the VA's minimum property requirements for safety, soundness, and sanitation. It is not a home inspection. We still recommend an independent inspection so you know what you're buying.
Appraisers and lenders may apply the updated guidance differently at first, so work with a team that handles VA loans every day.
Takeaways
- Changes apply to VA appraisals ordered on or after May 1, 2026.
- Five minimum property requirements were removed or simplified.
- The appraisal still checks value and basic safety. It does not replace an inspection.
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Get Pre-QualifiedVeteran Mortgage One is a DBA of MortgageOne, Inc., NMLS #898812, and an Equal Housing Lender. This article is for general information only and is not legal, tax, or financial advice. Program rules, fees, and eligibility are set by the VA and lenders and can change. All loans are subject to credit approval, underwriting, and property eligibility requirements.