It’s usually the biggest purchase anyone makes, and two legislative housing panels are mulling ways to ease some of the stress of buying a home.

One notion, from state Sen. Glen Sturtevant , R-Chesterfield, is to take an idea from Veterans Affairs and Federal Housing Administration mortgages and allow buyers to take over sellers’ mortgages.

Another, from Senate Majority Leader Scott Surovell , D-Fairfax, would say homebuyers can sue home inspectors to recover more than the fee they paid if the inspector’s negligence missed flaws in a house that are costly to fix.

Sturtevant floated the idea that mortgages going forward should be “assumable” — that is, that the usual clause that says the unpaid balance of a mortgage loan is due when a house is sold would not apply: the “due on sale

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