im going through the city program for down payment and inspection cost the city is gonna pay for all of that

Asked by Laura Griffin, Elyria, OH Sat Jan 5, 2008

but i was just wondering if i should pay for the water to be on or was that up to the seller or bank the realtor is saying i have to get it on so after reading all your helpful answers now i dont no what to do i still need help on making the right choice

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Ute Ferdig, Agent, Auburn, CA
Sat Jan 5, 2008
Hello Laura. I would recommend that you have the water on and available during the inspection so that the inspector can test the plumbing. I would also recommend that you find out from the city what the inspection entails. I know that the city pays for their own inspection to be done to ensure that the property meets their standards, but I would not want to assume that the city inspector will cover everything that a privately retained inspector would cover.

I am not clear on whether you are buying a bank owned property or whether the property you are buying is just vacant and the water was turned off. If it's bank owned, then the bank's agent will have to get the property de-winterized and then have it winterized again after the inspection and the bank may have you, the buyer pay for that. That's just how it works when you purchase a bank-owned property. If the property is privately owned, the seller should pay for the water and electricity to be turned on so that the inspector can conduct a meaningful inspection. I hope this helps.
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Jim Welden, Agent, Greenwood Village, CO
Sat Jan 5, 2008
Laura - Are you working with a Buyer's Agent? Hopefully so. If so, your agent or lender can tell you whether the program for financing includes payment for inspection. In my area, I do not know of any financing program that includes the cost of an inspection but new financing/purchasing programs are created every day. In any case, I would strongly recommend having an inspection completed (and not necessarily by the lowest priced inspector) - you want to obtain a thorough inspection because if you dont' you may have significant regret after the purchase. Do not spend any money on the inspection until you know you have a "contract" allowing you to purchase the home - Good Luck
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