Short Answer
Structural damage is a serious material defect that must be disclosed. Common structural issues include foundation cracks, settling, bowing walls, and roof sagging. Depending on the severity, you may need to hire a structural engineer to assess the damage and provide a repair estimate. You can repair the damage before listing, sell as-is at a reduced price, or negotiate a credit with the buyer. Most lenders will require structural repairs to be completed before approving financing.
Structural damage can range from minor foundation settling that is common in older homes to major structural failure that requires expensive repairs. Any known structural issues must be disclosed on the seller's disclosure form. The first step is determining the severity of the damage. A structural engineer can provide an assessment and a repair plan. Minor issues, like hairline foundation cracks, may not need repair but should still be disclosed. Major issues, like bowing foundation walls or significant roof sagging, will likely need to be addressed before a sale can close. FHA and VA loans are particularly strict about structural issues and will require repairs before approving the loan. The cost of structural repairs varies widely. Minor foundation crack repairs may cost $500 to $1,500. Major foundation repairs, including underpinning or wall reinforcement, can cost $5,000 to $30,000 or more. If you cannot afford the repairs, selling as-is to a cash buyer or investor may be your best option, though at a significant discount.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
Structural damage sounds terrifying, but not all structural issues are emergencies. A structural engineer can tell you whether the problem is stable and cosmetic or progressive and dangerous. I have helped sellers with foundation issues sell their homes by getting a structural engineer's report that gave buyers confidence. I have also helped sellers who needed to sell as-is to an investor because the repairs were too expensive. The key is knowing what you are dealing with and being transparent. Let us start with an assessment and go from there.
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