FHA new construction inspections in Illinois.
Building in Illinois with an FHA loan, on a lot where no one issues a building permit and a certificate of occupancy? The lender needs three inspections, each written up on a HUD-92051 Compliance Inspection Report. Call before the footing is poured.
Does Illinois inspect new homes outside city limits?
Illinois set a statewide baseline for building codes in 2025, but inspection is still a local job. Counties and towns without a building department do not inspect new houses on unincorporated land.
In those areas the construction contract ties the work to the residential code, and nobody from the county visits the site. Expect the question downstate, away from Chicago and the collar counties.
Ask the county or city two questions
Do you issue a building permit for a new house at this address? Do you issue a certificate of occupancy when it is finished? Call the office that would issue them and ask before you break ground.
Tell the lender if either answer is no
Without both documents, an FHA lender asks for footing, framing, and final inspections instead. Get the loan officer to confirm in writing who the file can use to do them.
Book the inspections around the pour date
Send us the lender's condition, the plans, and the builder's schedule. Scapular holds an active PE license in Illinois, and each visit produces its own HUD-92051.
The three inspections, in order.
Two of the three are of work that gets covered, so each has to happen at its stage. Read how the HUD-92051 inspections work.
Footing
Before the concrete pour, while the excavation, forms, and reinforcing can still be seen.
Framing
Before insulation and drywall, while the framing, connections, and load path are open.
Final
When construction is complete, including grading and drainage away from the foundation.
Other engineering reports in Illinois: PE inspections in Illinois.
Building in Illinois?
Send the address, the lender's condition, and the build schedule. We will confirm the scope before the first visit is booked.