Betty,oddly enough, my fiancee and I are closing on a house in 5 days through FHA that did not have a hot water heater. But, we were required to install a stove as the only appliance needed.
Celiant,It is nearly impossible to say if you can or can not qualify for a loan without more information(credit scores, income, debts, etc)As uncomfortable as it may seem, your best bet would be to get in touch with a lender.Good luck!!
Are you asking how to get pre-approved so you can make an offer on a home?If so, all you have to do is get in touch with a knowledgeable lender and they can help you see if you are "prequalified"