If I inherited a million dollars, I would buy a new house.

Ok so its TRUE as a one time future event right?

and FIRST?

Resending this....

"Conditional" means not yet a fact. If certain things happen ( in this instance -rain) then another action will be taken ( buying an umbrella).

Check out this site:
http://grammar.ccc.commnet.edu/GRAMMAR/conditional.htm

Any thing that follows "if" whether one thing or a series of things, will be conditional... example If it doesn't rain and the field is dry, then the baseball team will probably win.