A Home Inspection Checklist for Homebuyer’s

Buying a home is one of the most significant investments you’ll ever make. While vibrant flowers and marble countertops might catch your eye during a showing, they can often mask deeper issues like foundation fractures or outdated wiring. A comprehensive home inspection is a critical part of the home buying process in Kansas and Missouri, helping you uncover flaws before you finalize your contract.

What is a Home Inspection?

A home inspection is a visual, non-invasive examination of a property’s physical structure and mechanical systems. It typically includes an evaluation of the roof, foundation, plumbing, electrical systems, and HVAC. Most inspections take two to four hours, depending on the home’s size and age. This step is different from an appraisal, which determines the home’s value for the lender—you can learn more about how appraisals work in Kansas City here.

The Homebuyer’s Inspection Checklist

A checklist helps ensure that every critical area of the property is evaluated. According to 2026 industry standards, here is what you should watch for:

1. Foundation & Structure

• Warning Signs: Large horizontal cracks, bulging walls, or “stair-step” patterns in brickwork can indicate significant structural movement.
• Interior Clues: Sloping floors and doors that drag or swing on their own are often early warning signs that a house is shifting.

2. Roof & Attic

• Roof Condition: Inspectors check for missing or cracked shingles, poor flashing, and sagging areas that could lead to costly water intrusion.
• The Attic “Breath”: Proper ventilation is key to preventing mold and premature roof deterioration. Inspectors also look for adequate insulation and signs of pests.

3. Major Home Systems

• Electrical: Outdated panels or aluminum wiring can be fire hazards and may make a home difficult to insure. If you’re looking at an older home that needs updates, a specialized loan program might help cover renovation costs.
• Plumbing: In homes over 20 years old, it is often recommended to invest in a separate sewer scope to check for clogs or collapsed lines.
• HVAC: The inspector will note the age and performance of the heating and cooling units, as units nearing the end of their lifespan are major negotiation points in 2026.

4. Interior Details

• Windows & Doors: All units should move smoothly, lock easily, and have intact seals. Foggy glass often indicates a failed window seal.
• Kitchens & Bathrooms: Inspectors test for slow drains, proper water pressure, and GFCI outlet safety near water sources.

How to Use Your Inspection Report

Finding issues is normal; in fact, roughly 86% of home inspections reveal at least one item needing attention. Once you receive the report, you have several options for proceeding with your conventional or FHA loan purchase:

1. Request Repairs: Ask the seller to fix major safety or structural issues before closing.
2. Negotiate a Credit: Instead of a repair, ask for a price reduction or a “closing cost credit” so you can choose your own contractors after moving in. This can significantly reduce your out-of-pocket closing costs in Kansas City.
3. Walk Away: If your contract includes a home inspection contingency, you can often terminate the deal and keep your earnest money if major defects are found.

Why Choose Metropolitan Mortgage?

At Metropolitan Mortgage Corporation, we know that a clean inspection report provides the peace of mind you need to move forward with confidence. As a direct lender in Kansas and Missouri, we offer competitive rates and expert guidance to help you navigate every step of the mortgage process—from application to signing your closing disclosure.

Ready to start your homebuying journey? Get pre-approved now or contact us at (913) 642-8300 to discuss your options.