Spook's right! It doesn't matter if you had a contract as they have a contingency on appraisal and getting a loan. Anything over the appraised value you will pay plus the down payment. The down payment could be as high as 20%. In addition you have to qualify for a loan, that is based on the bank's assessment of the security of you job and how much you make relative to the payment (not the teaser rate either). If I remember correctly the monthly can't be more the 25% of your monthly pay and your total monthly debt can't more then 28%. When I was close to those number I felt like I was really strapped. In today's market if the owner won't budget just take your appraisal and inspections (they are yours if the owner wants them sell them) and walk away. There are so many places empty today its unbelieveable. Suggestion--Ask the bank what they have and are trying to sell.
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