If your purchasing a condo, you may qualify for an FHA loan allowing as low as a 3.5% down payment. This would allow you more money to fix the place up after your in. If it is a COOP you will not be able to do an FHA loan and mandated by most cooperatives would have to put a minimum of 10% down. I hope the repairs needed are cosmetic in nature and would not prevent you from obtaining financing. (leaks, exposed wires, bad plumbing exc..) If you have not been pre approved yet, please feel free to email me your information and I will be in touch to answer any further financing questions. As an earlier poster suggested asking the seller or sellers agent to allow a contractor to give you an estimate should not be a problem. Terry and her son Peter are very experienced realtors in the area and may be able to assist you as buyer side agents. They may be able to help you schedule an appointment to bring a contractor into the unit to get you that estimate!