When you go to apply for a Fha loan, there is no requirement for the seller to have a fha home inspection of their house but it is a very good idea for the home buyer to pay the money to get their own inspection due to the fact that they may find something about the house that the seller did not disclose to the realtor. You could spend a couple hundred dollars on an inspection and in turn possibly save thousands on something that you found that the seller would have to fix before they could sell the house to you.