Form library / FHA 1004
FHA 1004
FHA Single-Family Appraisal (1004 with FHA Addenda, HUD 4000.1)
The 1004 plus FHA’s property standards and addenda.
Used for
- FHA-insured purchase and refinance mortgages
- Assignments requiring HUD 4000.1 property standards
What it covers
- Everything in the standard 1004
- FHA minimum property requirements and safety items
- Required FHA addenda and certifications
How ValueSwell fills it
- Field checklist prompts FHA-specific items (handrails, peeling paint, utilities)
- HUD 4000.1 language and addenda assembled automatically
- Watchdog runs the FHA overlay before the report reaches the lender
Common questions
- What makes an FHA appraisal different?
- FHA adds minimum property requirements focused on safety, security, and soundness — plus specific addenda and certifications on top of the standard 1004.
Keep exploring
Let the agents fill the FHA 1004.
Voice walkthrough in, drafted form out — comps cited, sketch drawn, compliance pre-checked. First three reports free.
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