{"id":9098,"date":"2026-07-20T10:56:59","date_gmt":"2026-07-20T15:56:59","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=9098"},"modified":"2026-07-20T10:56:59","modified_gmt":"2026-07-20T15:56:59","slug":"va-appraisal-repairs-san-antonio-mpr-guide","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/va-appraisal-repairs-san-antonio-mpr-guide\/","title":{"rendered":"VA Appraisal Repairs in San Antonio: What Fails, Who Pays, and How Your Agent Handles It"},"content":{"rendered":"<div class=\"rl-page\">\n<header class=\"rl-hero\">\n<div class=\"rl-eyebrow\">Process \u00b7 Guide<\/div>\n<\/header>\n<nav aria-label=\"Jump to section\" class=\"rl-jump-nav\">\n<a href=\"#va-appraisal-questions-for-san-antonio-buyers\">VA Appraisal Questions for San Antonio Buyers<\/a><br \/>\n<a href=\"#what-does-the-va-appraisal-process-cover-in-san-antonio\">What Does the VA Appraisal Process Cover in San Antonio?<\/a><br \/>\n<a href=\"#what-can-fail-a-va-home-appraisal\">What Can Fail a VA Home Appraisal?<\/a><br \/>\n<a href=\"#va-appraisers-do-not-intentionally-lowball-homes\">VA Appraisers Do Not Intentionally Lowball Homes<\/a><br \/>\n<a href=\"#faqs\">FAQs<\/a><br \/>\n<\/nav>\n<p>VA appraisal repairs in San Antonio come down to Minimum Property Requirements, and the property either meets them or the loan stalls until someone fixes the problem. The most common MPR failures fall into three categories: roof defects, water damage, and safety hazards like peeling paint or faulty electrical. VA guidelines do not require the seller to pay for any of it, so repair costs become a negotiation point that can kill a deal if neither side budges.<\/p>\n<div class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>Before the VA Appraiser Shows Up<\/h3>\n<ul>\n<li><strong>Required inspection scope:<\/strong> The VA appraiser checks Minimum Property Requirements, not cosmetic condition. Peeling paint, faulty HVAC, exposed wiring, and roof defects trigger mandatory repairs before closing.<\/li>\n<li><strong>Eligibility check:<\/strong> Only a VA-assigned appraiser through the lender can perform the MPR evaluation. Home inspections you order separately do not satisfy VA requirements.<\/li>\n<li><strong>Common blocker:<\/strong> Sellers in San Antonio sometimes refuse MPR repairs outright, stalling the loan. Negotiate repair responsibility in the contract before the appraisal, not after.<\/li>\n<li><strong>Worth knowing:<\/strong> VA guidelines do not assign repair costs to buyer or seller. Either party, or even agent concessions, can fund the fix, so who pays is entirely a negotiation point in your contract.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What the Property Must Pass<\/h3>\n<ul>\n<li><strong>Must have:<\/strong> Working HVAC, safe electrical, intact roof, no lead paint hazards, and functioning water and sewage systems all fall under VA Minimum Property Requirements.<\/li>\n<li><strong>Strongly recommended:<\/strong> A pre-appraisal home inspection catches MPR issues before the VA appraiser visits, giving you time to address repairs without stalling the loan.<\/li>\n<li><strong>Optional but helpful:<\/strong> Contractor repair bids in hand before appraisal day let you propose specific fix costs during negotiations instead of guessing at numbers.<\/li>\n<li><strong>Bottom line:<\/strong> The VA appraiser flags the defect but not the repair cost. Repairs must be completed and re-inspected before the lender issues clear to close, so unresolved items delay everything.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Repair Timeline After a Failed VA Appraisal<\/h3>\n<ul>\n<li><strong>Report delivery:<\/strong> The appraiser&#8217;s report arrives after the inspection, listing every MPR deficiency that needs correction. Timelines vary by appraiser workload and market.<\/li>\n<li><strong>Repair negotiation:<\/strong> Buyer and seller agree on who handles each fix. Most San Antonio contracts settle this in a few days, but disputes can stall the deal for weeks.<\/li>\n<li><strong>Re-inspection clearance:<\/strong> Once repairs finish, the original appraiser returns to verify compliance. Scheduling the re-inspection depends on appraiser availability in the San Antonio market.<\/li>\n<li><strong>Typical total delay:<\/strong> MPR repairs add weeks to your closing timeline. Lenders will not issue clear to close until the appraiser confirms every item is resolved, so build buffer into your contract dates.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What MPR Repairs Cost<\/h3>\n<ul>\n<li><strong>Common repair bills:<\/strong> Peeling exterior paint, broken handrails, faulty HVAC systems, and roof leaks are the San Antonio MPR failures that most often generate repair bills during VA transactions.<\/li>\n<li><strong>Buyer-paid option:<\/strong> If the seller refuses to make repairs, VA rules allow the buyer to cover the costs, though not every lender permits buyer-funded MPR fixes before closing.<\/li>\n<li><strong>Reduce surprises:<\/strong> Get contractor repair estimates before you counter so both sides see real dollar figures, making it easier to split costs or negotiate a purchase price reduction.<\/li>\n<li><strong>If repairs stall:<\/strong> The lender will not fund the loan, meaning both parties lose appraisal fees, inspection charges, and earnest money already spent, so covering a small repair often beats killing the deal.<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<div class=\"rl-atf-faqhead\"><span class=\"rl-kicker\">Asked First<\/span>Top questions before you dig in<\/div>\n<details>\n<summary>What will fail a VA home appraisal?<\/summary>\n<p>Properties fail VA appraisals when they violate Minimum Property Requirements: peeling paint, faulty electrical, plumbing leaks, roof damage, missing handrails, inadequate heating, or pest damage. If the home fails MPRs, the loan stalls until repairs are completed. Who pays for those repairs is fully negotiable between buyer and seller.<\/p>\n<\/details>\n<details>\n<summary>Do VA appraisers lowball?<\/summary>\n<p>VA appraisers follow the same Uniform Standards of Professional Appraisal Practice as conventional appraisers and base values on comparable sales, not arbitrary discounts. Appraisals that come in below the contract price usually reflect actual market conditions or needed MPR repairs, not a bias toward lower numbers.<\/p>\n<\/details>\n<details>\n<summary>Do VA appraisals require extensive repairs?<\/summary>\n<p>Rarely. VA appraisals enforce Minimum Property Requirements around safety, structural soundness, and working systems, so flagged repairs are typically targeted fixes like peeling paint, faulty wiring, or roof leaks rather than major renovations. VA guidelines leave who pays fully negotiable between buyer and seller.<\/p>\n<\/details>\n<section class=\"rl-bluf\">\n<h2 id=\"the-bottom-line-up-front\">The Bottom Line Up Front<\/h2>\n<p><strong>VA appraisal repairs in San Antonio stall more deals than most buyers expect, and the biggest friction point is not the repair itself but who writes the check. VA Minimum Property Requirements exist to protect the buyer, yet VA guidelines do not assign repair costs to either party. That gray area creates negotiation pressure that catches both sides off guard.<\/strong><\/p>\n<p>The most common MPR failures in San Antonio involve peeling paint on pre-1978 homes, faulty roofing, inadequate water heaters, and missing handrails. Repair costs for minor fixes like handrails or paint run low, while roof or foundation work costs significantly more. The seller can pay, the buyer can pay, or the agent can negotiate a credit at closing. Some lenders restrict buyers from covering repairs directly, so the loan program and lender overlays matter as much as the VA&#8217;s own rules.<\/p>\n<ul>\n<li>VA appraisals enforce Minimum Property Requirements, and any MPR failure must be fixed before closing<\/li>\n<li>Peeling paint, roof damage, faulty plumbing, and missing safety features trigger the most San Antonio MPR flags<\/li>\n<li>VA guidelines do not require the seller to pay for repairs, making costs fully negotiable<\/li>\n<li>Some lenders block buyers from paying for MPR repairs directly, so check your lender&#8217;s overlay rules<\/li>\n<li>A failed appraisal does not kill the deal if both parties agree on who covers the fix<\/li>\n<\/ul>\n<\/section>\n<section>\n<h2 id=\"va-appraisal-questions-for-san-antonio-buyers\">VA Appraisal Questions for San Antonio Buyers<\/h2>\n<p><a href=\"\/lrg-blog\/first-time-homebuyers-guide-in-san-antonio-texas\/\">San Antonio buyers<\/a> using VA loans ask the same handful of questions once an appraisal comes back with repair requirements. The answers are straightforward, but misinformation from online forums and outdated advice creates confusion. Most issues center on who covers MPR repairs, what triggers a second inspection, and whether a <a href=\"\/lrg-blog\/low-appraisal-what-to-do-texas\/\">low appraisal<\/a> kills the deal outright.<\/p>\n<table>\n<thead>\n<tr>\n<th>Buyer Question<\/th>\n<th>Short Answer<\/th>\n<th>San Antonio Detail<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Does the seller always pay for MPR repairs?<\/td>\n<td>No. Repair costs are negotiable between buyer and seller.<\/td>\n<td>In competitive 78209 and 78258 listings, buyers often cover minor fixes to keep the deal moving.<\/td>\n<\/tr>\n<tr>\n<td>Can I pay for repairs myself?<\/td>\n<td>Yes. VA guidelines allow buyers to fund MPR repairs.<\/td>\n<td>Common on older Southside and West Side homes where sellers resist repair credits.<\/td>\n<\/tr>\n<tr>\n<td>What if the appraisal comes in low?<\/td>\n<td>Renegotiate price, cover the gap, or walk with earnest money intact.<\/td>\n<td>Appraisal gaps are less frequent here than in Austin, but still appear in Stone Oak bidding situations.<\/td>\n<\/tr>\n<tr>\n<td>Do I need a second inspection after repairs?<\/td>\n<td>The VA appraiser re-inspects to confirm MPR compliance.<\/td>\n<td>Re-inspection adds time to your closing schedule. Factor this buffer into your contract timeline.<\/td>\n<\/tr>\n<tr>\n<td>Can my agent pay for repairs?<\/td>\n<td>Yes, through agent concessions if contract terms allow it.<\/td>\n<td>LRG agents structure concessions on a case-by-case basis to keep closings on track.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The repair cost question trips up the most buyers. VA guidelines intentionally leave payment responsibility open, which means your purchase contract and local negotiation leverage determine the outcome, not a VA rule.<\/p>\n<\/section>\n<section>\n<h2 id=\"what-does-the-va-appraisal-process-cover-in-san-antonio\">What Does the VA Appraisal Process Cover in San Antonio?<\/h2>\n<p>The <a href=\"\/lrg-blog\/pass-va-appraisal-in-san-antonio-2025\/\">VA appraisal<\/a> in <a href=\"\/lrg-blog\/elm-creek-san-antonio-neighborhood-guide\/\">San Antonio<\/a> evaluates both market value and Minimum Property Requirement compliance. Appraisers inspect structural integrity, roofing, electrical and plumbing systems, heating and cooling, water supply, drainage, and safe street access. On pre-1978 homes, they also check for peeling paint and flag lead-based paint concerns that can trigger additional disclosure steps before the lender allows closing.<\/p>\n<div class=\"rl-callout rl-callout--file_guidance\">\n<strong>File Guidance<\/strong><\/p>\n<p>Request a copy of the full appraisal report through your lender as soon as it posts. Review each MPR line item before discussing repairs with the seller. San Antonio properties with older HVAC systems, aging roofs, or visible foundation movement often trigger MPR flags that buyers do not expect. Knowing the specific findings early gives your agent a concrete repair list to negotiate from rather than reacting to surprises two days before closing.<\/p>\n<\/div>\n<p>This is not a full <a href=\"\/spanish-blog\/inspeccion-casa-austin-guia-compradores\/\">home inspection<\/a>. A home inspector evaluates appliances, cosmetic conditions, and maintenance items that fall outside MPR scope, while the VA appraiser focuses strictly on health, safety, and structural soundness as defined by the VA&#8217;s handbook. Most San Antonio agents recommend scheduling both. The appraiser tells you what must be fixed before closing. The inspector tells you what might cost money six months after you move in.<\/p>\n<\/section>\n<section>\n<h2 id=\"what-can-fail-a-va-home-appraisal\">What Can Fail a VA Home Appraisal?<\/h2>\n<p>Roof damage, peeling lead-based paint, faulty electrical panels, and inadequate water pressure are the most common VA appraisal failures in San Antonio because they all violate the MPR categories that protect a property&#8217;s safety, structural soundness, and sanitary living conditions. Cosmetic wear does not fail. Scuffed floors and dated fixtures pass without issue.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li><strong>Roof deficiencies:<\/strong> Missing or curling shingles, active leaks, and any roof with less than two years of remaining useful life all require repair or replacement before the appraiser will sign off on MPR compliance.<\/li>\n<li><strong>Lead paint hazards:<\/strong> Homes built before 1978 with cracking or flaking paint on interior or exterior surfaces must have all affected areas scraped and repainted to federal lead-safe standards before the appraisal clears.<\/li>\n<li><strong>Electrical and mechanical systems:<\/strong> Exposed wiring, missing GFCI outlets near water sources, non-functional HVAC units, and gas leaks are automatic failures that require a licensed contractor to complete repairs and provide written verification.<\/li>\n<li><strong>Water and foundation problems:<\/strong> Low water pressure below minimum flow rates, failing septic systems, and standing water pooling against the foundation or inside the crawl space all violate MPR sanitation and structural standards.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=va-appraisal-repairs-san-antonio-what-fails-who-pays-mpr\">Connect with LRG \u2192<\/a><\/div>\n<section>\n<h2 id=\"va-appraisers-do-not-intentionally-lowball-homes\">VA Appraisers Do Not Intentionally Lowball Homes<\/h2>\n<p>VA appraisers follow the same Uniform Standards of Professional Appraisal Practice as every other licensed appraiser in Texas. A value below your contract price reflects comparable sales data from the immediate area, not a penalty for the <a href=\"\/lrg-blog\/como-calificar-prestamo-va-san-antonio\/\">VA loan<\/a> type. In San Antonio, neighborhoods like <a href=\"\/lrg-blog\/alamo-ranch-san-antonio\/\">Alamo Ranch<\/a> and Converse see prices move faster than the window of available closed comparables.<\/p>\n<table>\n<thead>\n<tr>\n<th>Factor<\/th>\n<th>What the Appraiser Does<\/th>\n<th>San Antonio Pattern<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Comparable sales lag<\/td>\n<td>Uses recent closed sales as primary data points<\/td>\n<td>Fast-appreciating ZIPs like 78253 and 78254 regularly show offer prices ahead of recorded comps<\/td>\n<\/tr>\n<tr>\n<td>Condition adjustments<\/td>\n<td>Deducts value for deferred maintenance found during inspection<\/td>\n<td>Older stock in 78207 and 78228 triggers more frequent adjustments for roof and system age<\/td>\n<\/tr>\n<tr>\n<td>Square footage discrepancy<\/td>\n<td>Measures actual living area against county tax records<\/td>\n<td>Pre-1980 homes with unpermitted additions often show lower measured square footage<\/td>\n<\/tr>\n<tr>\n<td>Seller concessions<\/td>\n<td>Accounts for seller-paid closing costs in the effective sale price<\/td>\n<td>Deals with high concessions compress the appraised value relative to the contract price<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Buyers who get a low appraisal can request a Reconsideration of Value. The process is straightforward. The buyer&#8217;s agent submits additional comparable sales the appraiser may not have used. Three recent closings within a half mile that support the contract price carry weight with the VA regional loan center. If the ROV does not change the number, the buyer can pay the difference out of pocket, negotiate the purchase price down with the seller, or walk away under the VA escape clause without forfeiting <a href=\"\/lrg-blog\/earnest-money-texas-how-much\/\">earnest money<\/a>.<\/p>\n<\/section>\n<section>\n<h2 id=\"va-appraisals-usually-do-not-require-extensive-repairs\">VA Appraisals Usually Do Not Require Extensive Repairs<\/h2>\n<p>Most San Antonio VA appraisals close without any repair requirements at all. The failures covered earlier grab attention, but they represent a small fraction of total inspections in this market. Most homes pass clean. Common MPR flags, when they do appear, tend to be minor: a missing handrail on exterior steps, a non-functioning GFCI outlet, chipped exterior paint exposing bare wood, or a water heater without proper strapping. These fixes are inexpensive and rarely delay closing by more than a week. Newer construction throughout the city almost never triggers MPR flags because builders meet current safety codes during permitting.<\/p>\n<div class=\"rl-callout rl-callout--file_guidance\">\n<strong>File Guidance<\/strong><\/p>\n<p>When a VA appraiser flags a minor repair, get a licensed contractor&#8217;s bid the same week the report arrives. Most MPR items in San Antonio, like handrail installations, GFCI outlet replacements, or exterior paint touch-ups, can often be completed and re-inspected within a week or so. Build this repair window into your contract timeline so the work finishes before the financing contingency deadline passes.<\/p>\n<\/div>\n<p>Older homes in established neighborhoods like <a href=\"\/lrg-blog\/why-terrell-hills-is-one-of-the-best-places-to-live-in-san-antonio\/\">Terrell Hills<\/a>, Monte Vista, or areas surrounding Joint Base San Antonio tend to generate more findings, but even those are usually limited to one or two items. The appraiser checks health and safety minimums, not renovation quality. Worn carpet, a dated kitchen, or peeling wallpaper has zero effect on MPR compliance. Buyers who understand the difference between cosmetic condition and safety condition go into the appraisal with accurate expectations. Sellers gain the same advantage, since knowing what actually triggers a flag prevents over-investing in pre-listing cosmetic work the appraiser will skip entirely.<\/p>\n<\/section>\n<section>\n<h2 id=\"how-does-mpr-work-on-a-va-appraisal\">How Does MPR Work on a VA Appraisal?<\/h2>\n<p>MPR works as a pass-or-fix gate between the appraisal and closing. The VA appraiser flags any item that falls below Minimum Property Requirements, and the lender holds the loan until every flagged item gets resolved. No resolution, no clear to close. The VA does not dictate who pays for the repairs or set a deadline for completion.<\/p>\n<div class=\"bullet-section-blue\">\n<ul>\n<li><strong>Appraiser documents the deficiency:<\/strong> The appraiser notes each MPR failure on the appraisal report with a required-repair notation. The lender forwards this to both buyer and seller so negotiations on cost and timeline can start immediately.<\/li>\n<li><strong>Cost is fully negotiable:<\/strong> VA guidelines assign zero repair responsibility to either party. The buyer, the seller, or the listing agent through concessions can cover the work. In San Antonio, sellers handle MPR repairs in most transactions, but that is a market norm, not a VA rule.<\/li>\n<li><strong>Licensed contractor completes the fix:<\/strong> A qualified contractor performs the repair and provides written documentation. The original VA appraiser then re-inspects the property to verify it now meets MPR standards before the lender issues a clear to close.<\/li>\n<li><strong>Timeline pressure matters:<\/strong> San Antonio purchase contracts set a closing deadline. MPR repairs that stretch beyond the original timeline often force extension requests, and some sellers will refuse an extension rather than wait on a VA buyer&#8217;s repair timeline.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section>\n<h2 id=\"the-bottom-line\">The Bottom Line<\/h2>\n<p>VA appraisals in San Antonio check both market value and Minimum Property Requirement compliance, covering structural integrity, roofing, electrical systems, plumbing, and heating. The items that fail most often, roof damage, peeling lead-based paint, faulty electrical panels, and inadequate water pressure, all fall under specific MPR categories. VA appraisers follow the same Uniform Standards of Professional Appraisal Practice as every other licensed appraiser in Texas, and a value below contract price reflects comparable sales data, not an intentional lowball.<\/p>\n<p>Most San Antonio VA appraisals close without any repair requirements at all. The failures get the attention, but they represent a small fraction of total inspections in this market. Knowing which items trigger MPR flags and how the repair negotiation works puts Veteran buyers in a stronger position before the appraiser ever walks through the door.<\/p>\n<\/section>\n<section class=\"rl-faq\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>What is MPR on a VA appraisal?<\/summary>\n<p>MPR stands for Minimum Property Requirements. These are baseline safety, structural, and sanitation standards the VA requires every home to meet before a VA-backed loan can close. The VA appraiser evaluates the property against MPR criteria during the appraisal visit. MPR covers working mechanical systems, a sound roof, safe electrical and plumbing, adequate heating, and no lead-based paint hazards in pre-1978 homes. MPR exists to protect the Veteran buyer from purchasing a property with serious deficiencies. The full standards are outlined in VA Handbook 26-7, Chapter 12.<\/p>\n<\/details>\n<details>\n<summary>What does a VA MPR checklist cover?<\/summary>\n<p>A VA MPR checklist covers the property categories the appraiser evaluates: roof condition with no active leaks, functioning HVAC and water heater, safe electrical systems with no exposed wiring, working plumbing with no sewage issues, structurally sound foundation and walls, adequate natural light and ventilation in habitable rooms, safe water supply, proper drainage away from the foundation, no wood-destroying insect damage, and no peeling paint on pre-1978 homes. The appraiser also confirms the property has reasonable access from a public or private road. Each item must pass or the appraiser notes it as a required repair before closing.<\/p>\n<\/details>\n<details>\n<summary>Who pays for VA appraisal repairs in San Antonio?<\/summary>\n<p>VA guidelines do not assign repair costs to the buyer or seller. Who pays is entirely negotiable between the parties. In San Antonio, sellers often cover MPR repairs to keep the deal moving, especially in balanced or buyer-friendly markets. In competitive situations, buyers sometimes agree to cover smaller fixes or negotiate repair credits instead. Real estate agents on both sides typically negotiate repair responsibility as part of the purchase contract. The VA itself never pays for repairs. Your lender also has no requirement about which party covers the cost, only that the repairs get completed before closing.<\/p>\n<\/details>\n<details>\n<summary>Have VA Minimum Property Requirements changed for 2026?<\/summary>\n<p>The core MPR standards have remained largely consistent. The VA updates appraisal guidelines through circulars and handbook revisions rather than annual overhauls. For 2026, the same foundational requirements apply: sound roof, working systems, safe water, proper sanitation, and structural integrity. What shifts year to year is how strictly local appraisers enforce certain items and how lenders layer their own overlays on top of VA minimums. San Antonio appraisers tend to flag foundation issues and HVAC failures most frequently given the local climate and soil conditions. Confirm current guidance through the latest VA Circular updates.<\/p>\n<\/details>\n<details>\n<summary>What are VA escrow holdback guidelines for repairs?<\/summary>\n<p>A VA escrow holdback allows the loan to close before all MPR repairs are finished. The repair cost is held in an escrow account, and the work must be completed within a set timeframe your lender defines. Not all lenders offer escrow holdbacks on VA loans, so confirm with your lender early in the process. The repair estimate usually needs to come from a licensed contractor, and the total held amount often includes a cushion above the estimate. Once repairs are done and re-inspected, the escrow funds release to pay the contractor.<\/p>\n<\/details>\n<details>\n<summary>Can a VA buyer pay for MPR repairs out of pocket?<\/summary>\n<p>Yes, the VA allows buyers to pay for MPR repairs. Not every lender permits it, though. Some lenders have overlays that restrict buyer-paid repairs because they want the buyer&#8217;s cash reserves intact for closing costs. If your lender does allow it, the repairs still must be completed by a qualified contractor and re-inspected before closing. In San Antonio, buyers sometimes pay for minor fixes like peeling paint or a missing handrail to keep the transaction on schedule when the seller pushes back on covering the cost.<\/p>\n<\/details>\n<details>\n<summary>Where do I find the official VA appraisal requirements document?<\/summary>\n<p>The primary source is VA Handbook 26-7, Chapter 12, available on the VA benefits website as a PDF download. This handbook is sometimes called the VA Lender&#8217;s Handbook and contains the full MPR standards appraisers use during property evaluations. You can also reference VA Circular 26-23-06 and subsequent updates for the most recent procedural changes. For a simplified overview, the VA home loan guaranty page on va.gov provides summaries of property requirements. Your lender&#8217;s underwriting team should also have the current version on file and can walk you through specific items.<\/p>\n<\/details>\n<details>\n<summary>What happens if the seller refuses to make VA-required repairs?<\/summary>\n<p>You have several options. You can pay for the repairs yourself if your lender allows it. You can negotiate a price reduction to offset repair costs. You can request an escrow holdback to close now and complete repairs after settlement. Or you can walk away using your contract&#8217;s inspection contingency. In San Antonio, most sellers will negotiate rather than lose the deal entirely, especially on smaller fixes. For larger structural or system repairs, some transactions do fall through. Your agent should present repair requests with contractor bids showing the seller exact costs rather than vague estimates.<\/p>\n<\/details>\n<\/section>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<div class=\"bullet-section-green\">\n<ul>\n<li><a href=\"https:\/\/homeloans.va.gov\/SAR_TPSS\/runtime\/pdfs\/ja_basicMPRchecklist.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Homeloans.va.gov \u2014 Basic MPR Checklist<\/a><\/li>\n<li><a href=\"https:\/\/valoannetwork.com\/va-loan-guides\/texas\/san-antonio\/va-appraisal-requirements\/\" rel=\"noopener noreferrer\" target=\"_blank\">Valoannetwork.com \u2014 2026 VA Appraisal Requirements San Antonio TX Guide<\/a><\/li>\n<li><a href=\"https:\/\/www.thefederalsavingsbank.com\/Blog\/veterans-affairs-va-appraisal-minimum-property-requirements-mprs-what-to-expect\/\" rel=\"noopener noreferrer\" target=\"_blank\">Thefederalsavingsbank.com \u2014 Veterans Affairs (VA) Appraisal &amp; Minimum Property &#8230;<\/a><\/li>\n<li><a href=\"https:\/\/www.veteransunited.com\/realestate\/how-va-buyers-can-pay-for-appraisal-repairs\/\" rel=\"noopener noreferrer\" target=\"_blank\">Veteransunited.com \u2014 How VA Buyers Can Pay for Appraisal Repairs<\/a><\/li>\n<li><a href=\"https:\/\/www.emetropolitan.com\/loan-programs\/va-home-loan\/va-appraisal-process-mprs-amendatory\/\" rel=\"noopener noreferrer\" target=\"_blank\">Emetropolitan.com \u2014 VA Appraisal Requirements &amp; Minimum Property Standards<\/a><\/li>\n<li><a href=\"https:\/\/www.joseluistepoxjr.com\/blog\/va-loans-and-bad-roofs-what-passes-what-fails-and-the-renovation-loan-fix\" rel=\"noopener noreferrer\" target=\"_blank\">Joseluistepoxjr.com \u2014 VA Loans and Bad Roofs: MPR Rules + the Fix &#8211; Luis Tepox<\/a><\/li>\n<\/ul>\n<\/div>\n<\/footer>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Process \u00b7 Guide VA Appraisal Questions for San Antonio Buyers What Does the VA Appraisal Process Cover in San Antonio? What Can Fail a VA Home Appraisal? VA Appraisers Do Not Intentionally Lowball Homes FAQs VA appraisal repairs in San Antonio come down to Minimum Property Requirements, and the property either meets them or the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9100,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-9098","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>VA Appraisal Repairs in San Antonio: What Fails, Who Pays, and How Your Agent Handles It - LRG Realty Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/va-appraisal-repairs-san-antonio-mpr-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VA Appraisal Repairs in San Antonio: What Fails, Who Pays, and How Your Agent Handles It - LRG Realty Blog\" \/>\n<meta property=\"og:description\" content=\"Process \u00b7 Guide VA Appraisal Questions for San Antonio Buyers What Does the VA Appraisal Process Cover in San Antonio? 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