A termite inspection is one of the less glamorous line items on a VA purchase, and one of the more common reasons a closing gets delayed. It is not a deal killer in most cases. It is a report with a clock on it, and buyers who understand the clock rarely get caught off guard.
Why a VA purchase in Kansas often includes a termite report
Kansas is generally listed among the states where the VA calls for wood-destroying insect information on purchases, and the requirement is typically spelled out on the Notice of Value that follows the appraisal. The inspector examines the home for evidence of termites and other wood-destroying insects, along with damage and conditions that invite them. The report is commonly completed on a standard form. Always confirm the current requirement with your lender, since property-specific conditions can vary.
Who can pay for it
Since a 2022 VA policy change, the veteran buyer is allowed to pay for the inspection where the Notice of Value requires it. In practice, it is still commonly negotiated, and many buyers ask the seller to cover it as part of the closing costs. Either way, decide who is paying before the order goes in so the report is not delayed by a question about the bill.
Timing: the report has a shelf life
A termite report is generally valid for about 90 days, which means ordering it too early in a long contract can leave you with an expired report at closing. Order it early enough to deal with anything it finds, but not so early that the clock runs out before you close. Your lender and agent can help you pick the window.
What happens if it finds something
If the report shows active infestation or damage, the issue generally has to be addressed before the loan can close, typically with treatment and repair of any structural damage, plus documentation such as a clearance letter or proof of treatment. This is a normal, fixable problem, and it is one of the reasons we encourage buyers to order the inspection early in the inspection period.
How to use the report as a negotiating tool
A clean report is useful for your records, and a report with findings is a legitimate basis to ask the seller to treat the home or credit you for the work. Because repairs required to meet VA minimum property requirements can be handled by either party, talk through the options with your agent before you decide who takes on what.
If you are under contract near Fort Leavenworth and a termite report is on your list, ask us to help you time the order so it stays valid through closing. We will coordinate with your lender and inspector so there are no last-week surprises.
FAQ
Does a VA loan in Kansas require a termite inspection?
Kansas is generally listed as a state where the VA calls for wood-destroying insect information, usually noted on the Notice of Value. Confirm the current requirement for your property with your lender.
Who pays for the termite inspection on a VA loan?
Since a 2022 VA policy change, the veteran buyer is allowed to pay where it is required, though many buyers negotiate for the seller to cover it.
How long is a termite report valid?
Generally about 90 days, so time the order so it does not expire before your closing date.
What if the inspection finds active termites or damage?
Active infestation or damage generally has to be treated and any structural damage repaired before the loan can close, along with documentation of the work.