Buying a home with a VA loan is a significant step for many veterans transitioning into civilian life. While it’s exciting to look for that perfect place, there’s one critical requirement you shouldn’t overlook: VA termite inspections.
Far from being a mere formality, these inspections protect you from costly damage caused by wood-destroying pests. According to Orkin, termites damage over 600,000 U.S. homes every year, leading to nearly $5 billion in repair costs. The U.S. Department of Veterans Affairs (VA) helps safeguard your investment by requiring termite inspections in regions where termite activity is common.
In this guide, we’ll break down what VA termite inspections are, where they’re required, who pays for them, and how you can be fully prepared. If you’re a veteran homebuyer ready to use your VA loan benefits, this information will help you avoid hidden surprises and ensure a smooth path to homeownership.
In this Article
Why VA Termite Inspections Matter
VA termite inspections help confirm that your potential home meets VA Minimum Property Requirements (MPRs), ensuring it’s safe, sound, and free from active pest infestations.
The VA’s “Move-In Ready” Standard
The VA’s primary goal is to place eligible veterans in homes that are immediately livable. VA loans come with Minimum Property Requirements (MPRs) to ensure the property is structurally sound and free of major health or safety hazards—including infestations by wood-destroying insects like termites.
Real-World Example: One veteran in Texas nearly purchased a $350,000 home. The required VA termite inspection uncovered termite damage in the crawlspace, which cost $1,800 to treat. That discovery saved the vet from facing a $20,000 repair bill later.
By catching these problems early, the VA prevents veterans from taking on a home that needs expensive fixes right after move-in.
When Are VA Termite Inspections Required?
VA termite inspections are mandatory in states or counties with higher termite infestation risks and any time a VA appraiser flags potential pest issues.
- High-Risk Zones: If the property is in a “Moderate to Heavy” or “Very Heavy” termite probability area (based on the VA’s Termite Infestation Probability Map), a termite inspection is required. These regions are typically in the Southeast, along coastal areas, or in other high-risk zones.
- Appraiser Flags: Even if you’re buying in a lower-risk area, the VA appraiser may request an inspection if they see signs of wood damage or suspect an infestation.
- Exceptions: VA Interest Rate Reduction Refinancing Loans (IRRRLs, also called VA Streamline refinances) generally do not need a termite inspection unless there’s visible damage.
VA Termite Inspection Requirements by State
Over 35 states (plus Washington, D.C.) have mandatory VA termite inspection rules. In other states, inspections are only required if the VA appraiser sees signs of damage or if the county has specific requirements.
States Where VA Termite Inspections Are Mandatory
The following states have a “Moderate to Heavy” or “Very Heavy” risk for termites, meaning inspections are typically required for VA loans:
- Alabama
- Arizona
- Arkansas
- California
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- Nevada
- New Jersey
- New Mexico
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington, D.C.
- West Virginia
Discretionary States (Inspection Only if the Appraiser Flags Issues)
In these 14 states, termite inspections are only necessary if the VA appraiser spots potential problems:
- Alaska
- Colorado
- Idaho
- Maine
- Minnesota
- Montana
- North Dakota
- Oregon
- South Dakota
- Vermont (except Bennington and Windham Counties)
- Washington
- Wyoming
County-Specific Requirements
Some states require VA termite inspections only in certain counties:
- Michigan: Required in 23 counties (e.g., Allegan, Barry, Berrien).
- New Hampshire: Required in 7 southern counties (e.g., Cheshire, Hillsborough).
- New York: Required in 17 counties (e.g., Bronx, Nassau, Suffolk).
- Wisconsin: Required in 19 counties (e.g., Dane, Milwaukee, Racine).
Real-World Example: A veteran in Michigan’s Kent County had to complete a termite inspection that revealed termites in the siding. The fix was $1,500, but it saved the entire deal from collapsing.
Condo Caveat
- Low-rise or mid-rise condos (5 stories or under) in mandatory states: Inspection is required if there’s any sign of damage or if it’s in a high-risk area.
- High-rise condos (above 5 stories): Generally exempt unless the appraiser notices pest issues.
Who Pays for VA Termite Inspections?
While sellers often pay for VA termite inspections, buyers are allowed to pay as of June 2024, per VA Circular 26-22-11.
- Seller Pays: In many transactions, the seller covers the $100–$200 cost of the termite inspection.
- Buyer Pays: Veterans can now pay if the seller declines. This added flexibility can help secure the deal.
- Lender or Agent: Occasionally, lenders or real estate agents might pick up the tab as an incentive.
Negotiation Tip: Talk about who will cover the cost early in the buying process.
VA Termite Inspection Costs: What to Expect
Expect to pay around $100–$200 for a standard VA termite inspection, although larger homes may cost more.
- Average Cost: $100–$200
- Larger Homes: $250–$400 for more square footage
- Possible Repairs: $500–$2,000 if termites are found
Real-World Example: A veteran in Florida paid $150 for an inspection on a 2,000-square-foot property. When the inspection revealed termite activity, the seller covered the $1,200 treatment.
How VA Termite Inspections Work
A licensed pest professional checks your home (inside and out) for signs of termite damage and other wood-destroying insects.
- Scope: They inspect attics, crawlspaces, basements, siding, decks—any wood that might be at risk.
- Signs of Infestation: Inspectors look for mud tubes, droppings, damaged wood, and other warning signs.
- Report (NPMA-33 Form): You’ll receive an official report detailing findings and recommended fixes, valid for 90 days.
Timing Tip: Schedule your termite inspection around the same time as your VA appraisal. This usually happens 10–14 days before closing.
Passing VA Minimum Property Requirements (MPRs)
Your home must meet VA MPRs, including no active pest infestations, to qualify for a VA loan.
- Safe: Free from active pests and major hazards.
- Sound: Structural wood elements must be intact and free of damage.
- Sanitary: No droppings or pest nests.
If termites are found, the issue must be addressed before the VA loan can be approved. In most cases, sellers cover treatment costs because failing the inspection can derail the sale.
What If Termites Are Found?
Termite treatment and any necessary repairs must be completed (and confirmed) before your VA loan can close.
- Treatment: $500–$2,000 to eliminate termites (e.g., chemical treatments, bait stations).
- Repairs: $1,000–$5,000 to replace or restore damaged wood.
- Re-Inspection: $50–$150 to verify the termites are gone.
Real-World Example: A veteran in Texas discovered an active termite infestation days before closing. A $1,800 treatment fixed the problem, allowing the sale to close within 30 days.
Cost Comparison: VA vs. Conventional
| Loan Type | Inspection Cost | Who Pays | Repairs |
|---|---|---|---|
| VA | $100–$200 | Buyer/Seller | Seller typically covers |
| Conventional | $100–$200 (optional) | Buyer | Buyer and/or Seller negotiates |
Takeaway: VA buyers often have an edge because sellers are more likely to pay for repairs. Conventional buyers may end up covering these costs themselves.
DIY Prep Tips for Sellers
If you’re selling to a VA buyer, taking simple steps before the official inspection can help your home pass the first time.
- Check Wood: Tap exposed beams or wooden supports to detect hollow sounds.
- Clear Debris: Remove mulch, firewood, or dead trees from near the home to reduce termite habitats.
- Pre-Inspect: Consider hiring a pest professional early for a “pre-inspection.”
Real-World Example: An Alabama seller spent $150 on a quick pre-inspection. Their home passed the VA termite check without delay, speeding up the sale.
FAQs About VA Termite Inspections
What is a VA termite inspection?
A VA termite inspection is a professional check for termites and other wood-destroying pests. It ensures the property meets the VA’s Minimum Property Requirements.
Which states require VA termite inspections?
Over 35 states (plus Washington, D.C.) require termite inspections for VA loans. In other states, the inspection may be discretionary unless the appraiser sees signs of damage.
Who pays for a VA termite inspection?
As of June 2022, veterans may pay for the inspection themselves. However, many sellers still offer to cover this $100–$200 expense.
How much does a VA termite inspection cost?
Inspections generally range from $100–$200, depending on home size and location. Costs can increase if repairs are needed.
What happens if termites are found?
The seller typically covers the cost of treatment ($500–$2,000) and repairs ($1,000–$5,000). After treatment, a re-inspection is done to ensure the home is termite-free.
Can I skip a VA termite inspection?
VA Streamline refinances (IRRRLs) usually don’t require it, but a purchase loan in a high-risk area definitely does.
How long does a VA termite inspection take?
Most inspections last 1–2 hours, with a follow-up report in a few days. If termites are found, expect repairs and a re-inspection before closing.
Are repairs required after a VA termite inspection?
Yes. If there’s an active infestation or significant damage, the VA won’t approve the loan until the problem is fixed.
Next Steps and Additional Resources
- Learn More About VA Loans: Our Comprehensive VA Loan Guide
- Check the VA Termite Map: VA.gov for the latest termite infestation probability information.
- Contact Your State Veterans Affairs Office: They can offer localized guidance and assistance.
Using your VA loan benefit should feel empowering—not overwhelming. VA termite inspections are designed to protect your biggest investment and help you move into a home that’s structurally sound and safe. By understanding the requirements, costs, and processes, you’ll be ready to navigate any termite-related hurdles on your journey to homeownership.
