Reno FHA Loan Rates, Closing Costs & Stats

RENO, NV

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Reno's 93 lenders originated 1,053 FHA loans during 2023. The total origination value was $400,365,000, with an average FHA loan value of $380,214.

    Reno FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Reno averaged -0.41% for the week of 2024-11-15, compared to the national average (all FHA variants) of 0% for the same period.

    Reno's average FHA mortgage closing costs are $11,097.

    The average rate for the prior week (2024-11-08) was 6.3% and one month ago for the week of 2024-10-11, the average rate was 6.01%.

    The average rate one year ago was 7.15%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.02%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Reno FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Reno level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 146 6.53% $18,633
    UNITED WHOLESALE MORTGAGE, LLC 100 6.06% $17,508
    DHI MORTGAGE COMPANY, LTD. 62 5.52% $11,391
    QUICKEN LOANS, LLC 59 6.10% $17,006
    CROSSCOUNTRY MORTGAGE, LLC 56 6.52% $17,722
    SUMMIT FUNDING, INC. 50 6.69% $18,549
    CARDINAL FINANCIAL 33 6.50% $17,133
    EAGLE HOME MORTGAGE, LLC 33 5.37% $17,234
    BROKER SOLUTIONS, INC. 31 6.67% $17,050
    PRIMELENDING, A PLAINSCAPITAL COMPANY 30 6.49% $17,230
    AXIA FINANCIAL, LLC 25 6.22% $18,526
    Cornerstone First Mortgage, Inc 21 6.46% $19,037
    NFM, INC. 20 6.81% $18,070
    LOANDEPOT.COM, LLC 19 5.96% $18,710
    PENNYMAC LOAN SERVICES, LLC 18 6.17% $15,758
    ISERVE RESIDENTIAL LENDING, LLC 15 6.65% $16,043
    Equity Prime Mortgage LLC 10 7.51% $16,601
    Gateway First Bank 10 6.79% $14,403
    BAY EQUITY LLC 9 6.01% $18,764
    AMERICAN FINANCIAL NETWORK, INC. 9 6.51% $15,074
    PACIFIC RESIDENTIAL MORTGAGE, LLC 9 6.40% $16,919
    MOVEMENT MORTGAGE, LLC 8 5.75% $19,244
    MASON MCDUFFIE MORTGAGE CORPORATION 8 6.38% $15,696
    FREEDOM MORTGAGE CORPORATION 7 6.61% $22,588
    Paramount Residential Mortgage Group, Inc. 6 7.19% $17,565
    Plains Commerce Bank 6 6.02% $19,227
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.77% $16,525
    TJC Mortgage, Inc. 6 6.83% $16,797
    LAND HOME FINANCIAL SERVICES, INC. 6 7.25% $20,904
    LOANPAL, LLC 6 5.81% $14,380
    Mr. Cooper ( Nationstar Mortgage ) 6 6.33% $17,341
    HOMEBRIDGE FINANCIAL SERVICES, INC. 5 6.58% $13,611
    CALCON MUTUAL MORTGAGE LLC 5 7.35% $19,652
    TBI MORTGAGE COMPANY 5 5.80% $18,148
    NEWREZ LLC 5 5.75% $16,420
    TOP FLITE FINANCIAL, INC. 4 6.75% $11,965
    SUN WEST MORTGAGE COMPANY, INC. 4 6.53% $15,702
    American Mortgage & Equity Consultants, Inc. 4 6.06% $12,884
    VERITAS FUNDING, LLC 3 6.33% $25,915
    Flagstar Bank, FSB 3 6.38% $12,759
    BELEM SERVICING LLC 3 6.83% $16,105
    GREATER NEVADA LLC 3 6.58% $11,425
    CALIBER HOME LOANS, INC. 3 6.58% $13,551
    Sierra Pacific Mortgage Company, Inc. 3 6.38% $15,123
    Carrington Mortgage Services, LLC 3 5.96% $15,443
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 6.04% $16,905
    AMERISAVE MORTGAGE CORPORATION 3 5.75% $11,794
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.08% $20,098
    The Central Trust Bank 2 6.63% $17,453
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.69% $19,014
    UNITED 2 6.44% $17,128
    ON Q FINANCIAL, INC. 2 7.44% $22,633
    MANN FINANCIAL INC. 2 6.56% $15,565
    GENEVA FINANCIAL, LLC 2 7.13% $16,640
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.50% $15,072
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.50% $14,532
    SOVEREIGN LENDING GROUP INCORPORATED 2 5.31% $12,840
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.25% $21,419
    U.S. Bank 2 5.93% $15,922
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.63% $16,666
    NBKC BANK 2 6.06% $9,597
    Wells Fargo Bank 1 6.00% $10,876
    ALAMEDA MORTGAGE CORPORATION 1 6.25% $19,269
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $15,866
    AmeriHome Mortgage Company, LLC 1 6.63% $11,285
    BEST FINANCE CAPITAL, INC. 1 5.63% $28,484
    BMO Harris Bank 1 7.25% $5,248
    CMG MORTGAGE, INC. 1 6.50% $18,157
    CORNERSTONE HOME LENDING, INC. 1 6.25% $12,179
    DATA MORTGAGE, INC. 1 6.13% $25,162
    FIRST COLONY MORTGAGE CORPORATION 1 7.13% $19,984
    First Option Mortgage, LLC 1 6.63% $25,982
    First Savings Bank 1 5.13% $18,327
    Franklin Loan Corporation 1 5.75% $20,217
    Glacier Bank 1 4.88% $13,147
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 8.25% $7,026
    Hometown Equity Mortgage, LLC 1 5.75% $15,191
    INFINITY EQUITY GROUP, INC. 1 6.63% $16,543
    INTERNATIONAL CITY MORTGAGE, INC. 1 5.88% $11,056
    Ixonia Bank 1 5.88% $23,277
    LAKEVIEW LOAN SERVICING, LLC 1 7.25% $19,038
    NATIONS DIRECT MORTGAGE, LLC 1 6.00% $25,653
    Nations Lending Corporation 1 6.00% $12,668
    Northpointe Bank 1 6.88% $11,288
    OCMBC, INC. 1 6.75% $16,003
    PANORAMA MORTGAGE GROUP, LLC 1 7.13% $17,981
    PHH Mortgage Corporation 1 5.99% $17,567
    PLANET HOME LENDING, LLC 1 5.50% $15,424
    S1L, Inc. 1 7.75% $15,922
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.63% $12,550
    SNAPFI, INC. 1 6.13% $15,849
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 7.13% $8,042
    ACADEMY MORTGAGE CORPORATION 1 7.25% $18,012

    The top Reno FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 146 FHA loans originated. Their average total fees are $18,633, which is $1,125 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Reno FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($11,391), Gateway First Bank ($14,403), PENNYMAC LOAN SERVICES, LLC ($15,758), ISERVE RESIDENTIAL LENDING, LLC ($16,043) and Equity Prime Mortgage LLC ($16,601).

    The lowest rate Reno FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.37%), DHI MORTGAGE COMPANY, LTD. (5.52%), LOANDEPOT.COM, LLC (5.96%), UNITED WHOLESALE MORTGAGE, LLC (6.06%) and QUICKEN LOANS, LLC (6.10%).

    Reno FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    RENO, NV STOREY 2022 $534,750 $684,550 $827,500 $1,028,350
    RENO, NV WASHOE 2022 $534,750 $684,550 $827,500 $1,028,350
    RENO, NV STOREY 2023 $621,000 $795,000 $960,950 $1,194,250
    RENO, NV WASHOE 2023 $621,000 $795,000 $960,950 $1,194,250

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Reno (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $487,175 (13.2%) $1,196,170 (36.7%) 1.81 804
    2018-02-01 $490,009 (12.0%) $1,196,764 (32.2%) 1.78 774
    2018-03-01 $498,248 (15.1%) $1,140,870 (29.5%) 1.75 781
    2018-04-01 $516,782 (18.8%) $1,134,098 (29.8%) 1.75 859
    2018-05-01 $487,000 (8.9%) $1,057,689 (20.9%) 1.63 974
    2018-06-01 $480,000 (6.5%) $1,024,597 (17.1%) 1.60 1,087
    2018-07-01 $469,000 (-0.2%) $967,089 (-0.9%) 1.57 1,388
    2018-08-01 $450,000 (-1.9%) $924,927 (-2.7%) 1.51 1,588
    2018-09-01 $449,000 (-6.3%) $891,702 (-9.0%) 1.51 1,715
    2018-10-01 $429,450 (-8.5%) $856,172 (-13.5%) 1.45 1,805
    2018-11-01 $426,450 (-12.5%) $858,402 (-17.1%) 1.45 1,744
    2018-12-01 $424,000 (-13.5%) $861,306 (-20.1%) 1.46 1,639
    2019-01-01 $427,450 (-12.3%) $911,122 (-23.8%) 1.48 1,429
    2019-02-01 $433,633 (-11.5%) $953,502 (-20.3%) 1.47 1,312
    2019-03-01 $450,657 (-9.6%) $971,170 (-14.9%) 1.47 1,259
    2019-04-01 $460,706 (-10.9%) $969,211 (-14.5%) 1.46 1,259
    2019-05-01 $456,325 (-6.3%) $921,862 (-12.8%) 1.43 1,459
    2019-06-01 $472,000 (-1.7%) $911,295 (-11.1%) 1.48 1,628
    2019-07-01 $472,995 (0.9%) $912,555 (-5.6%) 1.48 1,787
    2019-08-01 $467,909 (4.0%) $920,805 (-0.5%) 1.48 1,803
    2019-09-01 $466,273 (3.9%) $936,520 (5.0%) 1.49 1,741
    2019-10-01 $465,000 (8.3%) $960,844 (12.2%) 1.50 1,673
    2019-11-01 $465,000 (9.0%) $1,009,062 (17.6%) 1.52 1,482
    2019-12-01 $472,450 (11.4%) $1,078,793 (25.3%) 1.58 1,231
    2020-01-01 $482,500 (12.9%) $1,143,452 (25.5%) 1.61 1,053
    2020-02-01 $519,998 (19.9%) $1,246,107 (30.7%) 1.70 889
    2020-03-01 $511,998 (13.6%) $1,214,927 (25.1%) 1.61 921
    2020-04-01 $486,500 (5.6%) $1,066,206 (10.0%) 1.52 1,147
    2020-05-01 $499,000 (9.4%) $1,081,153 (17.3%) 1.52 1,165
    2020-06-01 $543,688 (15.2%) $1,223,830 (34.3%) 1.60 1,050
    2020-07-01 $559,391 (18.3%) $1,075,399 (17.8%) 1.62 904
    2020-08-01 $549,000 (17.3%) $1,077,319 (17.0%) 1.57 812
    2020-09-01 $567,500 (21.7%) $1,091,928 (16.6%) 1.63 728
    2020-10-01 $559,927 (20.4%) $1,206,204 (25.5%) 1.60 646
    2020-11-01 $539,596 (16.0%) $1,198,750 (18.8%) 1.58 518
    2020-12-01 $554,250 (17.3%) $1,232,422 (14.2%) 1.65 411
    2021-01-01 $564,800 (17.1%) $1,213,275 (6.1%) 1.69 362
    2021-02-01 $518,450 (-0.3%) $1,039,891 (-16.6%) 1.51 317
    2021-03-01 $501,250 (-2.1%) $1,064,944 (-12.4%) 1.42 354
    2021-04-01 $509,375 (4.7%) $907,368 (-14.9%) 1.38 569
    2021-05-01 $546,944 (9.6%) $986,884 (-8.7%) 1.45 427
    2021-06-01 $585,000 (7.6%) $1,051,995 (-14.0%) 1.54 436
    2021-07-01 $600,000 (7.3%) $1,071,346 (-0.4%) 1.58 561
    2021-08-01 $599,900 (9.3%) $1,105,913 (2.7%) 1.60 679
    2021-09-01 $599,225 (5.6%) $1,101,441 (0.9%) 1.60 766
    2021-10-01 $625,000 (11.6%) $1,113,978 (-7.7%) 1.67 758
    2021-11-01 $626,575 (16.1%) $1,164,608 (-2.9%) 1.67 647
    2021-12-01 $625,000 (12.8%) $1,198,097 (-2.8%) 1.69 470
    2022-01-01 $645,000 (14.2%) $1,318,919 (8.7%) 1.74 379
    2022-02-01 $649,850 (25.3%) $1,417,939 (36.4%) 1.69 348
    2022-03-01 $645,000 (28.7%) $1,417,150 (33.1%) 1.61 393
    2022-04-01 $689,900 (35.4%) $1,255,363 (38.4%) 1.64 561
    2022-05-01 $685,474 (25.3%) $1,207,958 (22.4%) 1.57 860
    2022-06-01 $672,750 (15.0%) $1,179,356 (12.1%) 1.50 1,282
    2022-07-01 $640,000 (6.7%) $1,116,661 (4.2%) 1.44 1,586
    2022-08-01 $632,500 (5.4%) $1,089,458 (-1.5%) 1.46 1,659
    2022-09-01 $624,973 (4.3%) $1,072,204 (-2.7%) 1.46 1,606
    2022-10-01 $599,997 (-4.0%) $1,078,809 (-3.2%) 1.41 1,601
    2022-11-01 $599,900 (-4.3%) $1,121,276 (-3.7%) 1.44 1,444
    2022-12-01 $599,999 (-4.0%) $1,156,128 (-3.5%) 1.48 1,176
    2023-01-01 $617,000 (-4.3%) $1,182,809 (-10.3%) 1.53 956
    2023-02-01 $630,000 (-3.1%) $1,247,014 (-12.1%) 1.52 789
    2023-03-01 $647,450 (0.4%) $1,235,410 (-12.8%) 1.53 719
    2023-04-01 $675,000 (-2.2%) $1,254,276 (-0.1%) 1.57 697
    2023-05-01 $683,750 (-0.3%) $1,282,310 (6.2%) 1.55 838
    2023-06-01 $689,366 (2.5%) $1,278,316 (8.4%) 1.55 959
    2023-07-01 $699,000 (9.2%) $1,334,655 (19.5%) 1.59 1,034
    2023-08-01 $699,500 (10.6%) $1,352,870 (24.2%) 1.61 1,067
    2023-09-01 $699,000 (11.8%) $1,328,056 (23.9%) 1.63 1,111
    2023-10-01 $676,975 (12.8%) $1,335,372 (23.8%) 1.59 1,123
    2023-11-01 $651,249 (8.6%) $1,320,650 (17.8%) 1.55 1,044
    2023-12-01 $647,500 (7.9%) $1,304,951 (12.9%) 1.58 935
    2024-01-01 $646,250 (4.7%) $1,324,552 (12.0%) 1.58 839
    2024-02-01 $652,000 (3.5%) $1,349,196 (8.2%) 1.57 752
    2024-03-01 $659,498 (1.9%) $1,351,740 (9.4%) 1.55 754
    2024-04-01 $663,944 (-1.6%) $1,344,635 (7.2%) 1.54 839
    2024-05-01 $693,525 (1.4%) $1,379,725 (7.6%) 1.57 970
    2024-06-01 $679,000 (-1.5%) $1,337,263 (4.6%) 1.53 1,202
    2024-07-01 $656,870 (-6.0%) $1,275,095 (-4.5%) 1.50 1,371
    2024-08-01 $646,000 (-7.7%) $1,268,460 (-6.2%) 1.50 1,448
    2024-09-01 $635,200 (-9.1%) $1,238,865 (-6.7%) 1.49 1,495
    2024-10-01 $634,975 (-6.2%) $1,186,085 (-11.2%) 1.49 1,459
    Reno's median listing price for 2024-10-01 was $634,975, a difference of $-42,000 (-6.2%) versus the prior year and $-225 versus the prior month.

    Reno's median listing price comes in at 149% of the national average.

    Reno's average listing price for 2024-10-01 was $1,186,085, a difference of $-149,287 (-11.2%) versus the prior year and $-52,780 versus the prior month.

    For the 2024-10-01 period, Reno had 1,459 MLS listings, a difference of -36 listings (-2%) versus the prior month and 336 listings (30%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Reno (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 73 days 2,355 sqft
    2018-02-01 50 days 2,329 sqft
    2018-03-01 43 days 2,274 sqft
    2018-04-01 43 days 2,319 sqft
    2018-05-01 36 days 2,147 sqft
    2018-06-01 37 days 2,128 sqft
    2018-07-01 37 days 2,110 sqft
    2018-08-01 40 days 2,084 sqft
    2018-09-01 45 days 2,076 sqft
    2018-10-01 52 days 2,030 sqft
    2018-11-01 59 days 2,009 sqft
    2018-12-01 71 days 2,010 sqft
    2019-01-01 78 days 1,989 sqft
    2019-02-01 71 days 2,020 sqft
    2019-03-01 58 days 2,080 sqft
    2019-04-01 44 days 2,139 sqft
    2019-05-01 38 days 2,111 sqft
    2019-06-01 41 days 2,158 sqft
    2019-07-01 44 days 2,131 sqft
    2019-08-01 48 days 2,120 sqft
    2019-09-01 55 days 2,148 sqft
    2019-10-01 59 days 2,164 sqft
    2019-11-01 65 days 2,129 sqft
    2019-12-01 72 days 2,186 sqft
    2020-01-01 75 days 2,194 sqft
    2020-02-01 58 days 2,293 sqft
    2020-03-01 37 days 2,195 sqft
    2020-04-01 40 days 2,118 sqft
    2020-05-01 43 days 2,191 sqft
    2020-06-01 44 days 2,290 sqft
    2020-07-01 43 days 2,307 sqft
    2020-08-01 41 days 2,204 sqft
    2020-09-01 32 days 2,220 sqft
    2020-10-01 43 days 2,160 sqft
    2020-11-01 48 days 2,096 sqft
    2020-12-01 55 days 2,103 sqft
    2021-01-01 50 days 2,100 sqft
    2021-02-01 34 days 1,932 sqft
    2021-03-01 18 days 1,868 sqft
    2021-04-01 17 days 1,849 sqft
    2021-05-01 26 days 1,868 sqft
    2021-06-01 29 days 1,930 sqft
    2021-07-01 28 days 2,006 sqft
    2021-08-01 30 days 1,995 sqft
    2021-09-01 32 days 1,944 sqft
    2021-10-01 37 days 2,084 sqft
    2021-11-01 41 days 2,037 sqft
    2021-12-01 50 days 2,030 sqft
    2022-01-01 52 days 2,023 sqft
    2022-02-01 32 days 2,018 sqft
    2022-03-01 26 days 2,008 sqft
    2022-04-01 25 days 2,106 sqft
    2022-05-01 25 days 2,071 sqft
    2022-06-01 29 days 2,066 sqft
    2022-07-01 36 days 2,029 sqft
    2022-08-01 49 days 2,034 sqft
    2022-09-01 58 days 2,024 sqft
    2022-10-01 61 days 2,016 sqft
    2022-11-01 68 days 2,019 sqft
    2022-12-01 81 days 2,015 sqft
    2023-01-01 92 days 2,024 sqft
    2023-02-01 85 days 2,030 sqft
    2023-03-01 59 days 2,064 sqft
    2023-04-01 44 days 2,161 sqft
    2023-05-01 37 days 2,165 sqft
    2023-06-01 38 days 2,177 sqft
    2023-07-01 42 days 2,229 sqft
    2023-08-01 44 days 2,223 sqft
    2023-09-01 50 days 2,189 sqft
    2023-10-01 55 days 2,154 sqft
    2023-11-01 60 days 2,135 sqft
    2023-12-01 69 days 2,081 sqft
    2024-01-01 78 days 2,082 sqft
    2024-02-01 70 days 2,044 sqft
    2024-03-01 51 days 2,053 sqft
    2024-04-01 40 days 2,083 sqft
    2024-05-01 32 days 2,088 sqft
    2024-06-01 35 days 2,044 sqft
    2024-07-01 45 days 2,020 sqft
    2024-08-01 51 days 1,966 sqft
    2024-09-01 56 days 1,940 sqft
    2024-10-01 58 days 1,952 sqft
    Reno's median listing age (time on market) for 2024-10-01 was 58 days. This is 6% longer than the same period one year ago.

    Reno's median square footage for active listings during the 2024-10-01 period was 1,952 sqft. One year prior, the average listing was 2,154 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).