First of all, I do hope that you are working with a buyers agent that is helping and advicing you through this process. As far as your question is concerned, you need to check your contract to see if "as is" is as of the contract date, the home inspection, or the settlement date. Hopefully, it is one of the first two. You also need to read any addendums you signed carefully to see how the seller views "as is". If the problem began after the contract date or the home inspection, then yes, the bank "should" fix it. That doesn't mean that they will and you can either choose to walk away or accept it as is or seek a real estate attorney to advice you of your rights per the contract. If the problem was there the day you saw thehome for the first time, then the chances of the seller actually repairing it or hiring a plumber are pretty slim. And no, the bank doesn't need to repair the plumbing or heating in order to sell because there are plenty of investors out there who will take it in such condition and pay cash and then fix it themselves. There are times when the bank may repair a problem--because they don't want to re-market the property again--but there are many times when they will hold their ground and not fix anything. The addendums are usually worded to protect their interests and not yours--so read those carefully. Good luck!!