Do I have to pay appraisal cost or can I roll it into a 502k Direct USDA loan in Georgia?? Thanks Andy Ware need reply asap!!

depends on your lender. For my clients,I typically cover the initial cost with it being paid as part of the closing costs

Wow. sounds like you already have a commenter who covers the initial appraisal cost requirement for you! I recommend you contact that mortgage broker/banker and see if you cannot do a USDA loan with them. Otherwise, you cannot roll an appraisal into any loan without the loan officer willing to front the cost should anything happen before the transaction is completed.

With USDA you can finance 100% of the purchase price and they will allow the USDA funding fee to be added to the loan as well.. however, all your closing costs (including appraisal) must be paid for.. so the short answer is NO.. you cannot finance the appraisal fee into your loan.. it must be paid for.. because of the gray area in lending laws and how some lenders interpret those laws, it's possible a lender could pay for it in advance and then collect the fee at closing along with your other costs.. but the majority of lenders will not do this.. they will require the appraisal be paid for in advance.. I'm a preferred Lender with Arizona and California being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893