I believe VA and FHA loans require homes they finance to pass their inspection which is different from the general home inspection that Realtors recommend. If you are getting a "conventional" loan (20% down), an inspection is not required. The buyer pays for an appraisal when he applies for a loan.
Any money suddenly appearing in your checking account would have to be explained. Sometimes a lender will allow money to be gifted to a buyer, but a letter from the giver stating that it is a gift and not a loan is required. You should ask the SECU if they would allow the needed money to be gifted to you.
What if I told you that you could be eligible to buy a home in Nashville NC with no money down, without needing money in savings and with a 30 year fixed rate as low as 3.25%?
That's right, Nashville NC is an area that's eligible for the no money down USDA mortgage so as long as you meet the credit score and county income limit requirements you could buy a home with no money down. There are couple of additional benefits with this program like the ability to roll your closing costs into the loan and the monthly mortgage insurance is substantially less than an FHA or conventional loan.
Yes, the home does have to pass the appraisal (inspection) for any mortgage to go through which you will pay for. You'll also pay for any other inspections you want/need like the home inspection (which is not the appraisal) or a septic inspection.
You can not get money back at closing so offering X amount and financing more is not going to happen.