I do not quite understand your question. Are you saying that you need repairs on the home you are interested in? If you need repairs, you can possibly qualify for FHA 203k Rehab Loans which is an acquisition and construction loan all in one closing. However, you need 3.5% down payment on the after improved value. USDA and VA Home Mortgages allow up to 100% financing. However, the home needs to be able to meet safety guidelines which means electrical issues of the property needs to be addressed and corrected before the loan can be approved and closed.