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Home inspection checklist for buyers

A home inspection is your best chance to learn how a house really works before you buy it. Use this checklist to know what to look at with your inspector, what questions to ask, and how to turn the report into a clear next step.

Key takeaways

  • Go to the inspection if you can, and bring a short list of questions.
  • Ask about the age and expected life of big systems like the roof, HVAC and water heater.
  • Take photos and notes so you can match them to the report later.
  • Consider add-on inspections, such as a sewer scope, when the home's age or location calls for it.

Next step: Estimate your monthly payment

Before the inspection

Check how many days your inspection contingency gives you and book an inspector right away. Ask what the inspection covers and what it doesn't, since a standard inspection is visual and won't open walls.

Bring the seller's disclosure and any listing notes so you can ask about anything that was mentioned.

Outside the home

  • Roof: age, missing or curling shingles, flashing around chimneys and vents
  • Gutters and downspouts: draining away from the house
  • Grading: soil sloping away from the foundation
  • Siding, trim and windows: rot, gaps or peeling paint
  • Decks, steps and railings: loose boards or weak supports

Inside the home

  • Ceilings and walls: water stains or patched areas
  • Basement or crawl space: moisture, musty smells, foundation cracks
  • Attic: insulation, ventilation and signs of leaks
  • Windows and doors: open, close and lock smoothly
  • Floors: soft spots or noticeable slopes

Major systems

  • Heating and cooling: age, service records and how well it runs
  • Electrical panel: brand, capacity and any signs of overheating
  • Water heater: age and venting
  • Plumbing: water pressure, drain speed and visible leaks
  • Smoke and carbon monoxide detectors

Questions to ask your inspector

Inspectors are usually happy to explain what they see. A few good questions:

  • Is this a safety issue, a repair or normal wear?
  • About how many years of life does this system have left?
  • Would you recommend a specialist to look closer?
  • What would you fix first if this were your home?

Add-on inspections to consider

Depending on the home, you may want extra checks. A sewer scope sends a camera through the main sewer line, which is useful in older homes or ones with large trees. Others include radon, wood-destroying insects, mold, well water and septic. Your inspector or agent can help you decide which fit the property.

After the report

Sort what you find into three groups: safety issues, big-ticket repairs and small fixes. Focus your repair or credit requests on the first two. Small items are usually part of owning any home. Get contractor estimates for larger items before you negotiate.

Frequently asked questions

Can I test appliances during the inspection?

Many inspectors run the major built-in appliances briefly, but it varies. Ask your inspector what they check, and test anything important to you during your final walkthrough.

What is a sewer scope?

It's a camera inspection of the main sewer line from the house to the street. It can spot roots, cracks or sagging pipe that a standard inspection can't see.

Should I attend the inspection?

If you can, yes. Walking through with the inspector helps you understand the report and learn where shutoffs and key systems are.

How long does a home inspection take?

Often a few hours, depending on the size and age of the home. Add-on inspections may be scheduled separately.

What if the inspection finds a major problem?

Depending on your contract, you may be able to ask for repairs, ask for a credit, renegotiate the price or cancel within your contingency period. Your agent can walk you through your options.

Does the lender require a home inspection?

A lender usually requires an appraisal, which is different. A home inspection is typically your choice, and it's there to protect you.

For general information only. Program rules and limits vary. Not a commitment to lend. NMLS ID #67717.

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