Home appraisal for government assistance programs like FHA and VA are more detailed than on a conventional North Florida mortgage loan. The appraisers are obligated to perform certain minimum inspections as well as evaluate the market value of the property in North Fl.  The seller would not be obligated to pay these additional costs for someone who was obtaining conventional financing. Therefore, your offer should incorporate a maximum figure for these repairs. Without setting a maximum price, sellers are essentially signing a blank check. The figure you put in will probably affect the seller’s motivation to negotiate the price. If you put $500 as an estimate, the seller will be $500 less negotiable on their price.