10/01/2025
What a Potential Government Shutdown Means for Homebuyers
While I don’t think a shutdown is likely, it’s always good to be prepared — just in case. The good news is that most loans will continue moving forward with little to no disruption. Here’s a simple breakdown:
✔️ Conventional loans – no impact
✔️ VA & FHA – still closing, but appraisals/approvals could take a bit longer
✔️ USDA – new approvals may pause, but existing ones can still close
✔️ Flood insurance – the government program may pause, but private options are available
✔️ Federal employees – furloughed income can’t be used until work resumes
Pro tips for buyers:
✅ Get your documents in early
✅ Order appraisals as soon as possible
✅ Double-check your insurance coverage
If you’re already under contract, touch base with your lender about timing or possible extensions.
Overall, most buyers won’t feel much of an impact — and a little preparation now can help everything stay on track smoothly.
