Does chipping paint have to be cured for FHA to guarentee a loan?

I get questions all the time from Realtors, loan officers, and prospective home owners about chipping paint. Does a defective paint surface need to be cured for FHA to guarentee a loan? Does FHA have different standards for properties built before and after 1978 (when lead-base paint was discontinued for residential use)? Watch the video below to find out. 

I hope this video was helpful and served to begin to shed some light on HUD’s standard for a defective paint surface. Keep me posted if you have any questions. Feel free to email, call 916.595.3735 or comment below.


  1. says

    Thanks Ryan, I’ve never seen that guidebook before. And judging from the photos it looks about 20 years old.

    Realtors are going to really hate me now when I show them this guide. 99% of the time they choose the cheap method, dry scraping and slopping paint over it. I knew that wasn’t right but didn’t have any guide to say otherwise.

    • says

      I tend to just say “consult the long guidebook” and that “when I come back out, the surface needs to be completed sealed and there should be absolutely no paint chips or even paint dust on the ground.

  2. Vince Kehoe says

    What about chipping and peeling paint on outbuildings which are not attached to the dwelling? What about paint on fences attached or not attached to the dwelling?

    • says

      Hi Vince. Thanks for reaching out. If there is chipping paint, it should be cured. FHA would mandate all structures on the site to be free of defective paint. You might get an appraiser not in tune with this standard or willing to ignore it for whatever reason, but it really shouldn’t be ignored per their requirements. I actually just wrote a post on fences. Rather than rehashing that, I thought I might just send a link. Keep me posted with any questions.

      Best wishes.


  1. […] Defective Paint: FHA requires any defective paint surface to be properly cured. This means there shouldn’t be any chipping, flaking or peeling paint. This goes for houses built before 1978 because of lead-base paint, and even after 1978 because FHA is not okay with bare wood that could foster wood decay and not support the longevity of the property. Read more and watch video. […]

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