You really should develop a relationship with a Buyer's Agent (Realtor). S/he would be able to represent your interests, assist you in your home search, help you find out answers to questions like this one, counsel with you about your financing, and otherwise assist you in purchasing a home. If you start dealing with the listing agent, who represents the seller, you could end up in hot water without even seeing it coming!
If I can be of any help,or if you'd like a referral, please feel free to contact me. You can click on my profile or on the website link below.
All the best!