In normal market conditions the inspection would be considered a buyers expense. BUT if the market is in the slow down in your area, as it is in most, I am finding the sellers are paying. Talk with your agent. When you go to make an offer, make sure it is spelled out that the seller is paying but YOU are selecting the inspection company. Your mortgage lender will usually order the appraiser and it will be a part of your lending package. This can also be negoiated with the seller, by asking them to help and/or pay your closing cost in the offer. Again, talk with your agent, he/she will help you with this and guide you in the right direction. That is our job!