An appraisal by a professional appraiser is required for most loans. It is an opinion of the value of your home compared to others like yours in the same area. A home inspection is not always required. It is a wise investment for a home you intend to live in for many years; the inspector will look at the plumbing, electrical, HVAC, roof, etc., the systems of the house, and see what needs repair or replacement.
Well and septic system inspections may be required if they apply to your home. A Structural Engineer Report on a manufactured home is required to ensure the property meets safety requirements.