In most condexes each side takes care of itself, they cut their half of the grass, shovel their own dirveway and sidewalk and paint the trim on their half. The problem is there should be an insurance policy on the building as a whole in the name of the association, usually in a condex it is split 50/50 and paid in full when do. The problem lays with what if the property needs a roof, that is great there is no monthly payments however long term maintenance needs to be considered, unless you have a large balance in your checkbook to pay half the cost of the roof when that comes up.
Where it is is a condo, the assoication is only teh 2 owners. so the 2 current owners should be able to fill out that condo questionaire. The problem is there are no more spot approvals with fha, so your loan officer will need to help you get these units association fha approved. The owner should help as well as it will help them sell, the owner not selling should help becuase it brings up the value of their condo.
good luck with your purchase.
By and large FHA will only lend on condos that are in pre-approved developments and the approval requirements are pretty stringent.
They will not approve the style of side by side townhouse that you are describing so at a very minimum you are going to have to put 20% down