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Are wood stoves considered a heating source with a USDA loan in TN?

by hlbrewer94577 from Columbia, Tennessee. Aug 14th 2017 Reply


William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

I'm pretty sure that so long as the heating source is compliant with local building codes, it's properly installed, and is adequate for the size home, and can maintain a minimum temperature, then it's acceptable with USDA.. They go by FHA guidelines, and the actual requirement is a bit vague.. It states "heating adequate for healthful and comfortable living conditions;" I just closed a VA loan here in AZ where the property has a wood burning stove for heat.. the loan went though without any issues. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Aug 14th 2017
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