I got it!

This is my little house. Well, it is if the home inspection goes well next Tuesday.

We had a weekend of really miserable weather here, but my realtor called me. She did a super job of helping me negotiate.

The loan I qualified for was an FHA loan - and there is a program where you can ask the seller to donate the down payment to a 501 (c3) non-profit organization which provides the down payment for the property. The seller gets to write it off on their taxes and as a result, I got a no money down loan. Now if the seller hadn't gone for it, I would have been required to come up with the 3% required by the loan. However, the seller accepted. I'm over the moon!

Now I just have to come up with earnest money and the money needed to pay for the house inspection. Fortunately, I can scrape that up. Be sure to check with your realtor if you're house hunting. This option is a REAL life saver for those of us without a lot of money for a down payment!

I'll keep you posted about the results of the house inspection.