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Buying a home with termite damage

On Behalf of | Mar 15, 2023 | Real Estate

Purchasing a home with termite damage can be daunting for potential Rhode Island homebuyers. Termites can cause significant damage to the structure of a home, and repairing that damage can be costly. However, purchasing a home with termite damage is possible if you approach the situation cautiously and take the necessary steps to ensure that you are making an informed decision.

Getting an inspection

The first step in purchasing a home with termite damage is to have a thorough inspection performed by a licensed pest control professional. This inspection should include a detailed report of any termite damage that has been identified, as well as an assessment of the home’s overall condition.

Once you have received the inspection report, you should review it carefully with your real estate agent and a qualified contractor. They can help you understand the extent of the damage and provide you with an estimate of the cost of repairs. It’s essential to clearly understand the repair costs before making an offer on the home so that you can factor them into your budget.

Arrange for repair

If you decide to move forward with the purchase, you should negotiate with the seller to either repair the damage before the sale or offer a credit towards the cost of repairs. Having the agreement in writing and the work performed by a qualified contractor is crucial.

In some cases, purchasing a home with termite damage may be possible using a renovation loan, such as an FHA 203(k) or Fannie Mae HomeStyle loan. These residential real estate loans allow you to finance the cost of repairs and renovations into your mortgage, which can make it easier to afford the necessary repairs.


When purchasing a home with termite damage, it’s important to remember that prevention is key. Once the damage has been repaired, you should take steps to prevent future infestations, such as regular inspections, repairs of any water damage and installing a termite barrier around the home’s foundation.

Doing your due diligence

Purchasing a home with termite damage can hide traps and setbacks, but it is possible with the right approach. By having a thorough inspection performed, understanding the cost of repairs, negotiating with the seller and taking steps to prevent future infestations, you can make an informed decision and enjoy your new home with peace of mind.