Hud appraisal; I cant be the only one who never had stove / toilet

[Elizabeth O.]

I am purchasing a HUD home that does not have any kitchen appliances and the half bathroom on the main floor is framed and drywalled but there is not a sink or toilet installed.

I am being told by my lender and my realtor that I should have a working stove and toilet for the appraisal to pass. HUD states that I can't make any repairs or changes to the home until I own it.

I told my lender this and he said lets just wait and see what happens.  He said that if it appraises for more than the 100K purchase price (which it should) without the bathroom its not an issue and that if they require a stove to be present to pass inspection then we could always put one in and have the appraiser come back out.

How do I get around all of this?  I'd really like to get my loan.  I suppose I was silly to think i wouldnt have any problems.

Thanks for any advice.