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Real Estate

Fill out HUD-92564-CN (For Your Protection: Get a Home Inspection) online

HUD Form 92564-CN is a notice given to FHA borrowers explaining the difference between an FHA appraisal and a home inspection. It informs the buyer that an FHA appraisal is not a home inspection and strongly recommends getting a professional home inspection before purchasing. The borrower signs to acknowledge they understand this distinction.

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HUD-92564-CN (For Your Protection: Get a Home Inspection) - simplepdf.com
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How to fill out HUD-92564-CN (For Your Protection: Get a Home Inspection)

1

Read the notice

Carefully read the explanation of the difference between an FHA appraisal and a home inspection. An appraisal determines the property value for the lender; a home inspection identifies physical problems with the property.

2

Understand your rights

Note that you have the right to hire a qualified home inspector at your own expense. The inspector should examine the heating, plumbing, electrical systems, roof, foundation, and other structural components.

3

Sign and date

Sign and date the form to acknowledge that you understand the difference between an appraisal and an inspection, and that you have been advised to get a home inspection.

About HUD-92564-CN (For Your Protection: Get a Home Inspection)

Who needs this form

All borrowers obtaining an FHA-insured mortgage loan. The lender is required to provide this form to the borrower as part of the FHA loan application process.

Where to submit

Signed by the borrower and retained in the FHA loan file by the lender. It is not submitted to HUD separately but must be present in the loan endorsement package.

Source and content freshness

Official source (www.hud.gov)
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Not signing the form, which can delay loan processing
  • Confusing the FHA appraisal with a home inspection and skipping the inspection
  • Not understanding that the FHA appraisal protects the lender, not the buyer

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Do I have to get a home inspection for an FHA loan?
No, a home inspection is not required for an FHA loan, but it is strongly recommended. The FHA appraisal only confirms the property meets minimum safety standards and is worth the purchase price. A home inspection provides a much more detailed assessment of the property condition, including systems (HVAC, plumbing, electrical), roof, foundation, and potential issues that could be costly to repair.

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