First time homebuyer in need of help :(We are going to purchase a house and it is priced at $48000 and appraised at $38900. It is the perfect home--- except the roof has never been replaced and it is slate. The house was built in the 1820's and it most likely will need to be replaced... The house is 2600 square feet and the roof is estimated about $10000 of work.Other issues...1. Roof replacement- $100002. Updated electric- $25003. Hot Water Heater- $5004. Windows were never replaced- $50005. Siding is chipping and not up to area codes- $12000What should I offer for this home? Should I ask for certain things to be done with the home in the asking price? I also only have $7500 saved for closing costs and the down payment and I need at least $2000 to be saved for a car and emergency purchases... What type of loan should I get and how much? I was thinking that the roof would NOT pass inspection by any bank and I really can't afford to just throw another on there and I know for a fact the bank will tell the person selling the home that she has to have the roof done before the bank gives any person a loan to purchase her home. Should I use a 203k or 203b or something else? I am pretty sure the roof needs to be done before I can even get a loan. The electric would be next, then the water heater, the siding, and the windows last.I am so confused about what to do and my family and I need to move before school starts. Thank you in advance for your help.June 12 2011 - Utica00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.