What is HUD MPR?
HUD MPR Overview
HUD MPR stands for HUD Minimum Property Requirements. These are standards set by the U.S. Department of Housing and Urban Development (HUD) to ensure that homes purchased with FHA loans meet basic safety, security, and livability requirements.
Key Aspects of HUD MPR
- Safety & Structural Integrity – The property must be free of hazards, have sound structural components, and be in a condition that does not pose a risk to occupants.
- Health & Sanitation – The home must have access to clean water, proper sewage disposal, and a functional heating system in colder climates.
- Marketability & Longevity – The property should be able to serve as collateral for an FHA-backed loan, meaning it must be durable and expected to remain habitable for the duration of the mortgage.
Common MPR Requirements
- The roof must have at least two years of life expectancy and be free of leaks.
- The foundation must be structurally sound with no major cracks or signs of settlement.
- The home must have safe electrical, plumbing, and HVAC systems.
- No peeling lead-based paint (for homes built before 1978).
- No pest infestations or damage from termites or other wood-destroying organisms.
- Must have proper drainage to prevent water accumulation around the foundation.
- Bedrooms must have adequate egress (windows or doors to escape in case of fire).
HUD MPRs are especially relevant in FHA appraisals, where the appraiser checks whether the property meets these standards. If the home does not meet MPR, repairs may be required before the loan can be approved.
