Since a home is the largest single purchase and with mortgage tables having you pay the purchase price nearly twice over, it would be foolish to take on so much risk. Before you make an offer, I presume you have carefully checked each detail of the house that you can see and touch.
You need to hire a home inspection who is certified, has been working for several years and referred by someone you know and trust. You are entitled to ask for references and need to check those out. If you can tell your inspector who built your home, they will double check for flaws that builder is known for.
It's imparative that the purchaser be on-site at the time of inspection. Your husband will likely NOT crawl on his belly through the attic inspecting ever duct and line. Husbands do not know all the building codes and whether the house you've selected meets every single requirement. How will he tell if any of the window seals have been blown? How will he know if every single joist has been correctly installed/mounted. Is the wiring to code? Do the panels on the deck meet code? Is the flashing around the external exhaust of the fireplace on the new standard? There are so many details the inspector reviews in his 3 hours plus at your proposed purchase. He can tell you the life expectancy of the furnace, hot water tank and AC unit. He knows if the land slopes to the correct degree.
I just observed a home inspection with a friend who had made an offer conditional on inspection. She was able to have a significant price adjustment based on the multitude of teeny tiny details that were not up-to-current code.
Negotiate the price if you can but it is too much risk to buy a house without inspection.
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