After the inspection, i asked for a number of items to be repaired, including a chimney repair for $3,000. The seller only offered $1,000 for everything, which was really frustrating because i know the property needs a lot of work in addition to what i asked for in the repair addendum. So what we've done is extend the inspection contingency period until the end of the week so that we can get the appraisal done during it, and find out what absolutely needs to be fixed for the property to qualify for the loan. We also got the seller to sign an addendum that states they'll contribute up to $3000 for necessary repairs as called out by an FHA appraiser or underwriter. My concern now is that the appraiser will find say, $6,000 in needed repairs, and the seller will only be on the hook for "up to" $3,000 of that. I don't have any more that i can come out of pocket (I've spent over $2,500 in the last 2 months on inspections/sewer scopes/oil tank locates/soil sampling on other potential properties) so it's likely i'll have to back out. The seller also says she cannot cover anymore than what she has agreed upon, so it sounds like neither party has the money. If I back out she might be able to sell the house at a higher price and then have the money to fix some of the stuff, but she might have a hard time finding a buyer now that she'll have to disclose the repairs that must be made (i think?). So we're trying to tell her that if she wants to sell her house to an FHA buyer (80% of the current market, according to my agent), she'll have a repeat of this scenario with another buyer.