If you’re purchasing a home with a VA loan, you’re likely focused on meeting all inspection requirements and closing without delays. One question that often comes up is, “Does a VA loan require a termite inspection?” The answer depends on where your future home is located.
The Plunkett’s team is here to clarify what’s required, where termite inspections are mandatory, and how we can help ensure your VA home loan termite inspection goes off without a hitch.
Why Termite Inspections Matter for VA Loans
The Department of Veterans Affairs wants to ensure the homes financed through VA loans are structurally sound. That’s why, in areas known for termite activity, a wood-destroying pest inspection is often required.
In short, VA pest inspections are all about protecting your investment and ensuring the long-term safety of your home.
So, Do VA Loans Require a Pest Inspection?
The VA doesn’t require termite inspections nationwide. Whether or not a VA loan termite inspection is required depends on the state or county where the property is located:
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If you’re buying in one of the green or yellow areas, chances are you’ll need a VA home loan termite inspection. You’ll also need to submit VA Form NPMA-33 (Wood Destroying Insect Inspection Report) before your loan can close.
Where is a Wood-Destroying Pest Inspection Required?
Inspections are Discretionary
- Minnesota
- North Dakota
- South Dakota
- Wisconsin
Inspections are Required in Some Counties or Regions
- Michigan
- New York
- Pennsylvania
- New Jersey
- New Mexico
- Arizona
Inspections are Required Everywhere
- Ohio
- Indiana
- Illinois
- Iowa
- Missouri
- Nebraska
- Kansas
- Oklahoma
- Texas
- Arkansas
- Louisiana
- Kentucky
- West Virginia
Get in touch with Plunkett’s to get started with your VA pest inspection!
Who Pays for a VA Pest Inspection?
Historically, VA rules didn’t allow buyers to pay for termite inspections in most states. Instead, sellers or other parties were required to cover the cost. But in June 2022, the Department of Veterans Affairs updated its policy to allow more flexibility: buyers can now pay for the inspection—but only if it’s necessary to make the deal happen.
That said, most buyers still don’t pay this fee. In many areas, it’s customary for the seller to cover it as part of the agreement. However, payment responsibilities can vary depending on:
- The state you're buying in
- Your lender's requirements
- What you negotiate in your purchase contract
If you’re still unsure, talk to your real estate agent and lender to understand what’s typical in your area, and what’s negotiable.
What Does a VA Home Pest Inspection Look For?
While a VA home inspection includes an appraisal and review of the property’s overall condition, the termite inspection is a separate process conducted by licensed pest control professionals. It focuses specifically on:
- Visible signs of termites
- Evidence of other wood-destroying pests
What are The Signs of a Termite Infestation?
Even if your loan doesn’t require a pest inspection, spotting signs of termites early can save you thousands in future repairs. Watch for:
- Discarded wings near windows
- Hollow-sounding wood
- Frass (insect droppings)
- Mud tubes
- Bubbling paint or wood damage
Buying a Home with a VA Loan? Plunkett’s Is Here to Help!
We’re proud to serve VA homebuyers across our broad service area. Our certified inspectors can perform fast, thorough, and VA-compliant inspections.
Whether it’s required or recommended, a termite inspection protects your home and peace of mind. Contact Plunkett’s for a VA pest inspection! Let’s get you one step closer to your new home.
