The USDA only lends on homes that are safe and move in ready.
As far as move in ready, we have an easy rule; if it is supposed to be there, it needs to be there. If there is supposed to be a ceiling fan, however, there are exposed wires and they are using a floor lamp instead, this would not be safe nor would it be move in ready. Now, if there is a lamp only, and no ceiling fan or other light fixture you are OK to proceed.
Same applies to cabinets. If there were never cabinets there to begin with it would not be required that they be there. However, if they were there originally and now are not, they would have to be there before closing.
There are some circumstances that would be considered not safe and not move in ready however, should not necessarily stop your interest in the home. Keep in mind, all of these can be treated or remediated:
- Faulty electrical / plumbing
- Foundation / roof issues
Also, just because something is out of date, doesn’t mean that it isn’t move in ready. Just because the kitchen is out of date it is still move in ready (no matter what your wife says about it J ). As long as everything is there and works, you should still be good to go.
Let’s say the dream home you have in mind does have an issue with fixtures missing, holes in walls or floor, whatever it may be, it does not mean you should give up on it. Instead, talk with the sellers and see if you can get them to fix it.
I am sure they, as well as you, will recognized the importance of getting it fixed.