FHA INFO 2026-12: FHA Seeks Public Comment Regarding Modernizing Its Single Family Housing Minimum Property Requirements

Today, the Federal Housing Administration (FHA), published a Request for Information (RFI) Regarding Single Family Minimum Property Requirements (MPR) (Docket No. FR-6609-N-01) in the Federal Register for public comment.

FHA’s Minimum Property Requirements (MPR) have long supported the safety and soundness of the single family homes the agency insures. However, these standards have not undergone a comprehensive update in over two decades and no longer reflect current industry practices. FHA MPRs are dated, creating unnecessary burdens that increase housing costs, discourage industry participation, limit access to FHA financing - particularly for first time and low- to moderate-income American homebuyers - and outweigh the benefits they provide.

To rectify this - and in line with the administration’s overall efforts to reduce burdensome regulations and minimize undue costs - FHA has issued today’s RFI seeking stakeholder comment on ways in which to modernize and streamline program requirements. This feedback will guide efforts to ultimately align the agency’s MPR standards with today’s industry practices.

While FHA is interested in hearing all perspectives, it is particularly interested in receiving input on the following topics:

• What are the advantages and/or disadvantages of FHA’s current MPRs?
• How could FHA streamline and/or simplify its MPR policies?
• Are there important factors FHA should consider when modernizing MPR policies?
• What specific FHA MPRs are no longer applicable or necessary?
• Do current FHA MPRs adequately protect borrowers utilizing FHA-insured single family mortgage programs to finance a home?
• Are MPRs clearly communicated in FHA policies?
• Is the FHA-approved appraiser’s scope of work to identify MPR deficiencies aligned with modern appraisal practices?

Interested stakeholders are encouraged to review and provide comments following the methods outlined in the RFI (Docket No. FR-6609-N-01) through June 29, 2026.

If you have any questions, contact the FHA Resource Center referenced below.