What Happens if My Closing Funds Are Short?

What Happens if My Closing Funds Are Short?

If your closing funds are short, the mortgage generally cannot close or fund until the shortage is resolved and approved by the lender.

A shortage may be discovered:

• During initial underwriting
• After the appraisal
• When insurance is finalized
• After the lender updates property taxes
• When the Closing Disclosure is prepared
• During final asset verification
• On the scheduled closing day

Possible solutions may include:

• Using additional verified savings
• Receiving eligible gift funds
• Liquidating approved investments
• Increasing seller credits
• Requesting a lender credit
• Reducing the down payment
• Changing the loan structure
• Removing an unnecessary debt payoff
• Extending the closing date

You generally cannot solve a closing shortage with undocumented cash, an undisclosed personal loan, a credit-card cash advance, or a last-minute transfer from another person.

The lender must verify where the additional money came from and confirm that the revised transaction still satisfies underwriting requirements.

What Does It Mean for Closing Funds to Be Short?

Your closing funds are short when your available, eligible, and verified assets are insufficient to cover everything required for the transaction.

That may include:

• Down payment
• Closing costs
• Prepaid interest
• Homeowners insurance
• Initial escrow deposit
• Required debt payoff
• Appraisal shortage
• Required reserves
• Other approved obligations

For example:

• Verified assets: $100,000
• Cash required at closing: $85,000
• Required post-closing reserves: $25,000

The borrower is effectively $10,000 short.

Although the borrower has enough money to send the closing wire, using $85,000 would leave only $15,000—less than the required $25,000 reserve.

This is why having enough money to sign and fund is not always the same as satisfying the mortgage asset requirements.

Related resources include Mortgage Asset Requirements Explained, Mortgage Reserve Requirements Explained, and Source of Funds Requirements for a Mortgage.

Cash to Close and Total Required Funds Are Different

Cash to close is the amount the settlement statement or Closing Disclosure indicates you must bring to complete the transaction.

Total required funds may be larger because the lender may also require assets to remain available after closing.

For example:

• Cash to close: $70,000
• Required reserves: $30,000
• Total verified assets needed: $100,000

You may not physically transfer the reserve amount to the title company.

But underwriting still needs to verify that the funds remain available after closing.

Using required reserves to cover a closing shortage may make the loan ineligible.

Why Did My Cash to Close Increase?

Cash to close can change as estimated figures are replaced with final information.

Common causes include:

• Higher homeowners insurance premium
• Larger initial escrow deposit
• Updated property taxes
• Prepaid interest
• Lower appraisal
• Reduced seller credit
• Reduced lender credit
• Discount points
• Rate-lock extension
• Changed down payment
• Increased loan costs
• Revised title charges
• Required debt payoff
• HOA transfer charges
• Tax or HOA prorations
• Uncredited earnest money
• Inspection or appraisal fees not reflected correctly
• Change in closing date

The Consumer Financial Protection Bureau explains that some mortgage costs can change when there is a valid change in circumstances, such as a different down payment, a low appraisal, changed credit, or income that cannot be documented as expected. CFPB mortgage-cost guidance

The Homeowners Insurance Premium Was Higher

The lender may initially estimate homeowners insurance before a policy has been selected.

If the final annual premium is higher, the borrower may need additional funds for:

• First-year premium
• Initial escrow deposit
• Monthly payment

A higher premium can affect both cash to close and mortgage qualification.

Related resource: What Happens if My Homeowners Insurance Is Too Expensive?

Property Taxes or Escrows Were Updated

The lender may begin with estimated property taxes.

Final figures may change because of:

• Taxing districts
• Closing date
• Tax proration
• Homestead exemptions
• New construction
• Reassessment
• Escrow cushion
• Current tax-due status

In Texas, the seller’s current tax bill may reflect exemptions or tax ceilings that the buyer will not receive.

Related resources: Texas Property Tax Proration at Closing and Texas Property Tax Reassessment After Buying a Home.

The Appraisal Was Low

A low appraisal can increase the funds needed to close.

Mortgage loan-to-value ratios are generally calculated using the lower of:

• Purchase price
• Appraised value

If the appraisal is below the contract price, the lender may reduce the maximum loan amount.

The borrower may need to:

• Bring more cash
• Renegotiate the price
• Challenge the appraisal
• Change loan programs
• Restructure the financing
• Exercise an available contract right

Related resources: What Happens When an Appraisal Causes the Maximum LTV to Change? and Reconsideration of Value: Challenging a Low Appraisal.

The Down Payment Changed

Increasing the down payment raises cash to close.

Reducing it may lower cash to close, but it can also:

• Increase the loan amount
• Increase the monthly payment
• Add mortgage insurance
• Change interest-rate pricing
• Increase the debt-to-income ratio
• Affect automated underwriting
• Exceed a program limit

The lender must approve the revised down payment.

Related resource: Can I Change My Down Payment Before Closing?

The Lender Credit Changed

A lender credit may reduce cash required at closing.

However, lender credits are commonly tied to a particular interest rate and lock structure.

A credit could change if:

• Interest rate changes
• Loan amount changes
• Loan-to-value ratio changes
• Rate lock expires
• Loan program changes
• Borrowers change
• Property characteristics change

Ask the lender to compare the revised pricing with the original Loan Estimate.

Related resources: Discount Points vs. Lender Credits and Mortgage Rate Lock Extensions Explained.

The Seller Credit Is Smaller Than Expected

A seller credit must be:

• Included in the contract or amendment
• Permitted by the loan program
• Supported by eligible closing costs
• Reflected accurately on settlement documents
• Approved by the lender

A seller credit cannot necessarily exceed eligible closing costs, become cash paid to the borrower, or cover the borrower’s required minimum down payment.

If the contract allows “up to” a particular amount, the borrower receives only the amount that can be applied to eligible charges.

Earnest Money Is Missing From the Calculation

Properly credited earnest money reduces the remaining amount due at closing.

If the earnest money is not shown, determine whether:

• Title company received it
• Amount is correct
• It was properly documented
• Payment cleared the borrower’s account
• It was refunded
• It was applied elsewhere
• It appears on the Closing Disclosure

An unverified earnest-money deposit may create an asset-documentation condition even if the title company is holding the funds.

Related resources: Documenting Earnest Money for Mortgage Approval and What Happens to Earnest Money at Closing?

A Debt Payoff Was Added

Underwriting may require an obligation to be paid at or before closing.

Examples include:

• Credit card
• Auto loan
• Personal loan
• Judgment
• Tax lien
• Existing mortgage
• HELOC
• Collection
• Other secured obligation

The payoff increases cash required unless it is financed through an eligible refinance structure.

Related resource: Can I Pay Off Debt During Mortgage Underwriting?

The Closing Date Changed

Changing the closing date can alter:

• Prepaid interest
• Property-tax proration
• HOA proration
• Insurance effective date
• Rate-lock cost
• Escrow deposit
• Seller credits
• Contractual charges

Moving the closing by a few days may increase one component while decreasing another.

How Much Money Should I Expect to Bring?

Use the most recent Closing Disclosure—not an early worksheet or verbal estimate—to review the anticipated amount.

The Closing Disclosure should identify:

• Closing costs
• Loan amount
• Seller credits
• Lender credits
• Deposits
• Adjustments
• Payoffs
• Cash to close

The CFPB provides an interactive Closing Disclosure explainer that helps borrowers identify these sections.

Your lender and title company should reconcile their figures before you send funds.

Can I Use Additional Money From Another Bank Account?

Possibly.

The lender may require:

• Complete account statement
• Proof of ownership
• Transaction history
• Evidence of transfer
• Source of recent deposits
• Updated asset calculation

If the account was not previously disclosed, underwriting may need to verify it from the beginning.

Related resource: Can I Move Money Between Bank Accounts Before Closing?

Can I Receive Gift Funds to Cover the Shortage?

Possibly.

Gift eligibility depends on:

• Loan program
• Property type
• Occupancy
• Donor relationship
• Minimum borrower contribution
• Lender requirements

The lender may require:

• Gift letter
• Donor information
• Evidence donor had the funds
• Evidence of withdrawal
• Evidence of transfer
• Borrower deposit record
• Confirmation repayment is not required

Do not have a relative send money directly to the title company without lender and title-company instructions.

Related resource: Mortgage Gift Funds Explained.

Can My Spouse Provide the Additional Money?

Possibly.

Documentation depends on:

• Whether the spouse is a borrower
• Account ownership
• Loan program
• Texas community-property rules
• Title structure
• Source of the spouse’s funds

The lender may treat the money as jointly owned funds, separate assets, or gift funds depending on the circumstances.

Related resource: Texas Community Property and Mortgage Qualification.

Can a Co-Borrower Supply the Missing Funds?

Potentially.

An existing borrower’s eligible verified assets may be used according to the loan program.

If a new borrower must be added, that is a larger change requiring:

• Application
• Credit
• Income review
• Debt analysis
• Asset verification
• Automated underwriting
• Revised disclosures
• Final approval

Related resource: Can I Add or Remove a Borrower During Underwriting?

Can I Sell Stocks or Investments?

Possibly.

The lender may need documentation showing:

• Ownership
• Value before sale
• Trade confirmation
• Settlement
• Transfer into an eligible account
• Available cash
• Remaining reserves

Investment transactions require time to settle.

Do not wait until the scheduled closing morning to liquidate assets.

Related resources: Selling Assets for a Down Payment and Using Stocks and Investment Accounts for a Down Payment.

Can I Withdraw Retirement Funds?

Potentially.

The lender may need to verify:

• Account ownership
• Vesting
• Withdrawal eligibility
• Net amount after taxes and penalties
• Distribution
• Deposit
• Remaining reserves
• Whether the transaction is a loan or withdrawal

A retirement-plan loan can have different underwriting consequences from a withdrawal.

Related resource: Using Retirement Funds for Down Payment.

Can I Use Business Funds?

Possibly.

The lender may need to determine:

• Borrower ownership
• Access to the funds
• Effect on business liquidity
• Whether business income is used to qualify
• Whether withdrawal creates a loan
• Whether additional business statements are required

A business account containing enough money does not automatically mean the money is immediately available for personal closing expenses.

Related resource: Using Business Funds for a Home Purchase.

Can I Sell Personal Property?

Potentially.

Funds from selling an eligible personal asset may be acceptable if the lender can document:

• Borrower ownership
• Asset value
• Sale terms
• Buyer
• Transfer of ownership
• Payment received
• Deposit into the bank account
• Reasonableness of the transaction

Examples may include:

• Vehicle
• Boat
• Recreational vehicle
• Collectible
• Other valuable personal property

A handwritten receipt and unexplained cash deposit may not provide enough documentation.

Related resource: Selling Assets for a Down Payment.

Can I Use Cryptocurrency?

Potentially, after it has been converted into an acceptable form and fully documented.

The lender may require:

• Evidence of ownership
• Exchange statements
• Transaction history
• Sale confirmation
• Conversion to U.S. dollars
• Transfer into a verified bank account
• Documentation of the resulting large deposit

Related resource: Cryptocurrency Assets and Mortgage Approval.

Can I Borrow the Missing Money?

Do not borrow funds without lender approval.

An unsecured personal loan, credit-card advance, payday loan, or undocumented private loan can create:

• New monthly debt
• Higher debt-to-income ratio
• New credit inquiry
• Lower credit score
• Asset-source problem
• Automated underwriting changes
• Loan denial

Certain borrowed funds secured by an acceptable asset may be permitted under some mortgage programs.

Examples might include:

• Loan against a retirement account
• Securities-backed line of credit
• Loan secured by another eligible asset
• Bridge financing

The lender must evaluate the obligation and determine whether the funds are allowed.

Related resources: Can Borrowed Funds Be Used for a Down Payment? and Using a Securities-Backed Line of Credit for a Home Purchase.

Can I Use a Credit Card Cash Advance?

Usually, this is not an appropriate unapproved solution.

A credit-card advance creates new debt and may also:

• Increase utilization
• Lower the credit score
• Increase the minimum payment
• Trigger updated underwriting
• Create an unacceptable source of funds
• Cause final approval to be withdrawn

Do not use a credit card to solve a closing shortage without explicit approval from the lender.

Can I Deposit Cash I Have at Home?

Cash-on-hand can be difficult or impossible to document under many mortgage programs.

Examples include:

• Money stored at home
• Undocumented tips
• Cash gifts
• Informal business receipts
• Cash from an undocumented private sale
• Long-term accumulated currency

Depositing it immediately before closing does not establish its source.

Related resources: Cash Down Payment Rules and What Are Seasoned Funds for a Mortgage?

Can I Ask the Seller for a Larger Credit?

Possibly.

The buyer and seller may agree to amend the contract, subject to:

• Seller consent
• Loan-program contribution limits
• Eligible closing costs
• Appraised value
• Lender approval
• Closing timeline

The seller is not obligated to agree.

A larger credit may be negotiated in exchange for:

• Higher purchase price, if supported and permitted
• Resolution of repair concerns
• Other contractual consideration

Any amendment must be reviewed before closing.

A purchase-price increase solely to create a credit must still be supported by the appraisal and comply with program rules.

Can the Lender Provide a Larger Credit?

Possibly.

The lender may be able to provide a credit in exchange for a different interest rate.

This can reduce upfront cash requirements while increasing the long-term borrowing cost.

Compare:

• New interest rate
• Monthly payment
• Credit amount
• Break-even period
• Effect on qualification
• Rate-lock terms

A lender credit must be disclosed and approved before closing.

Can I Reduce the Down Payment?

Possibly.

Reducing the down payment can preserve cash for closing costs.

However, the revised structure may:

• Increase loan amount
• Increase payment
• Add mortgage insurance
• Change pricing
• Increase debt-to-income ratio
• Change automated underwriting
• Exceed loan limits
• Require a revised Loan Estimate
• Require contract changes

The lender must confirm that the revised loan remains eligible.

Can I Change Loan Programs?

Possibly.

A different loan program may require less down payment or provide a different cost structure.

Potential alternatives could include:

• Conventional
• FHA
• VA
• USDA
• Physician loan
• Portfolio loan
• Other lender-specific program

Changing programs can affect:

• Appraisal
• Property requirements
• Mortgage insurance
• Interest rate
• Loan amount
• Closing date
• Underwriting
• Disclosures

Related resource: Can I Change Loan Programs Before Closing?

Can I Remove a Debt Payoff From Closing?

Only if the lender determines that the debt does not need to be paid for qualification or program eligibility.

Removing the payoff may increase available closing funds.

But it may also:

• Increase debt-to-income ratio
• Reduce VA residual income
• Change automated underwriting
• Invalidate approval
• Violate a closing condition

Do not instruct the title company to remove a payoff without lender approval.

Can I Lower the Purchase Price?

Potentially, if the seller agrees.

A lower purchase price may reduce:

• Down payment
• Loan amount
• Cash to close
• Monthly payment
• Property-related charges

The lender will need the executed contract amendment and may need to:

• Update disclosures
• Recalculate LTV
• Rerun underwriting
• Reprice the loan
• Revise the Closing Disclosure

Can the Title Company Let Me Pay the Difference Later?

Generally, no.

The title company must have the required good funds before it can disburse and complete the closing.

The borrower generally cannot:

• Sign an IOU
• Give a postdated check
• Promise to pay after closing
• Leave the settlement statement knowingly short
• Create an undisclosed debt to the seller or title company

Any financing or payment obligation must be disclosed to and approved by the lender.

What if I Am Short Only a Small Amount?

Even a small shortage must be resolved.

Potential causes include:

• Wire fee
• Same-day tax adjustment
• HOA proration
• Updated payoff
• Changed prepaid interest
• Title correction
• Incorrect earnest-money credit

Contact the lender and title company before sending another payment.

They may issue updated wiring instructions or request an additional cashier’s check, subject to title-company policy and timing.

Do not assume a material shortage will be waived at the table.

Can I Bring More Than the Estimated Amount?

Follow the title company’s instructions.

Some borrowers send a modestly larger amount to account for minor final adjustments, but the lender and title company should approve the amount and process.

Excess funds generally must be returned through an approved method.

Sending substantially more than requested can create:

• Reconciliation issues
• Source-of-funds questions
• Delayed disbursement
• Wire-return delays
• Fraud concerns

How Should I Send the Closing Funds?

Use the method approved by the title company.

Common methods include:

• Wire transfer
• Cashier’s check, subject to title-company rules
• Other verified good-funds method

Never rely solely on wiring instructions received by email.

Confirm instructions using a trusted telephone number independently obtained from the title company.

Related resource: Mortgage Wire Fraud Prevention.

What if the Money Is in the Wrong Account?

The lender and title company may require funds to come from an approved, verified account.

If the money is held in:

• Another personal account
• Joint account
• Business account
• Trust account
• Investment account
• Retirement account
• Foreign account

additional documentation may be required.

Do not move the money through several accounts without instructions.

Related resources: Can I Move Money Between Bank Accounts Before Closing? and Using a Trust Account for a Down Payment.

What Happens if the Shortage Is Discovered on Closing Day?

Possible outcomes include:

• Additional funds are documented and wired
• Closing is delayed later in the day
• Closing is rescheduled
• Contract extension is requested
• Revised loan structure is approved
• Transaction fails to fund
• Contractual remedies become relevant

Signing documents does not necessarily complete the purchase.

The lender and title company still need the required funds before disbursement and recording.

Related resources: Mortgage Closing Day Explained and What Happens When a Mortgage Is Recorded?

Can Closing Be Extended?

Possibly, if the seller agrees or the contract otherwise permits it.

An extension may provide time to:

• Verify additional assets
• Complete gift documentation
• Liquidate investments
• Amend seller credits
• Restructure the loan
• Issue revised disclosures
• Obtain underwriting approval
• Extend the rate lock

An extension may also create costs:

• Rate-lock extension
• Additional prepaid interest changes
• Moving expenses
• Storage
• Temporary housing
• Seller demands
• Contract amendment fees

Related resource: Can Closing Be Delayed After Clear to Close?

Could I Lose My Earnest Money?

Potentially, depending on the contract, deadlines, available contingencies, reason the funds are short, and whether the parties agree to an extension.

The lender cannot determine whether your earnest money is refundable.

Discuss the contract promptly with:

• Real estate agent
• Broker
• Title company
• Qualified real estate attorney, when appropriate

Do not wait until the scheduled closing to raise the issue.

Will I Receive a Revised Closing Disclosure?

Possibly.

If the transaction changes, the lender may need to update:

• Loan amount
• Closing costs
• Seller credits
• Lender credits
• Payoffs
• Down payment
• Cash to close
• Monthly payment

Not every correction restarts the federal three-business-day waiting period.

However, additional time may still be required for underwriting, document preparation, and title-company reconciliation.

Related resource: Closing Disclosure Explained.

How Can I Prevent a Closing-Funds Shortage?

Several preventive steps can reduce the risk.

Maintain a Cash Cushion

Do not plan to use every available dollar.

Closing figures can change.

The CFPB recommends considering closing costs, moving costs, initial home expenses, and an emergency cushion when deciding how much cash to commit to a down payment. CFPB down-payment guidance

Verify Insurance Early

Obtain a property-specific homeowners insurance quote soon after the contract is accepted.

Review Property Taxes Carefully

Do not rely solely on the seller’s current tax bill.

Keep Funds in Verified Accounts

Avoid unnecessary transfers, cash deposits, or new accounts.

Document Earnest Money

Retain proof of withdrawal and payment.

Avoid Major Purchases

Furniture, vehicles, vacations, and investments can reduce closing funds.

Review Every Loan Estimate

Compare changes in:

• Closing costs
• Credits
• Down payment
• Escrows
• Cash to close

Review the Closing Disclosure Immediately

Do not wait until closing day to question the amount due.

Real-World Scenario: Insurance Creates the Shortage

A borrower plans to bring $60,000 to closing.

The final homeowners insurance premium is $3,000 higher than estimated, and the initial escrow deposit also increases.

The revised cash to close is $64,500.

The borrower has only $62,000 available after preserving required reserves.

The lender evaluates:

• Another acceptable insurance policy
• Additional verified assets
• Eligible gift funds
• Lender credit
• Reduced down payment

The correct solution depends on both closing cash and qualification.

Real-World Scenario: Earnest Money Was Not Verified

The Closing Disclosure appears to show a $10,000 shortage because the earnest-money credit is missing.

The borrower provides:

• Cleared check
• Bank statement
• Title-company receipt

The title company corrects the settlement figures, and the cash to close is reduced.

The borrower did not actually lack the funds.

The credit had not been properly reconciled.

Real-World Scenario: Borrower Spends Required Reserves

A jumbo borrower has enough money to send the required closing wire.

After closing, only $20,000 would remain.

The loan requires $75,000 in reserves.

The borrower is $55,000 short for underwriting purposes, even though the title company’s cash-to-close amount can be paid.

Possible solutions may involve:

• Additional eligible assets
• Smaller down payment
• Different loan program
• Different property
• Closing extension

Real-World Scenario: Last-Minute Family Loan

A borrower is $15,000 short and receives the money from a family member.

The family member expects monthly repayment.

The funds cannot truthfully be documented as a gift.

The new private loan must be disclosed, and the lender must determine whether it is permitted and how its payment affects qualification.

Calling borrowed money a gift could constitute material misrepresentation.

Common Misconceptions

“If I Can Send the Wire, I Have Enough Money”

Required reserves may need to remain after closing.

“Any Money in My Account Can Be Used”

The lender must verify ownership, availability, and acceptable source.

“A Family Member Can Just Send the Difference”

Gift eligibility and documentation requirements still apply.

“I Can Put the Shortage on a Credit Card”

New debt can affect credit, DTI, asset eligibility, and final approval.

“Seller Credits Can Cover My Down Payment”

Seller credits generally apply to eligible closing costs and prepaids, not the borrower’s required minimum contribution unless specifically permitted.

“The Title Company Can Let Me Pay Later”

The required funds generally must be collected before disbursement and completion.

“Cash to Close Cannot Change After the Loan Estimate”

Estimated figures can change when valid circumstances or final transaction information changes.

“Signing Means the Closing Is Complete”

The transaction may still require funding, disbursement, and recording.

Questions to Ask When Closing Funds Are Short

Ask your lender and title company:

• Why did cash to close increase?
• Is the earnest money credited?
• Are seller credits correct?
• Are lender credits correct?
• Did insurance or taxes change?
• Did the appraisal affect the loan amount?
• Is a debt payoff included?
• How much must remain in reserves?
• Can I use another verified account?
• Are gift funds permitted?
• Can I reduce the down payment?
• Can the lender provide a credit?
• Can the seller increase the credit?
• Would changing programs help?
• Will the loan return to underwriting?
• Will revised disclosures be required?
• Can we still close on time?
• What are the approved wiring instructions?

Real Lender Perspective

A closing-funds shortage is not always caused by poor planning.

Sometimes the final figures change because of:

• Insurance
• Taxes
• Appraisal
• Title
• Escrows
• Underwriting requirements

But shortages become much more difficult when they are discovered late.

The lender should continually track:

• Verified assets
• Updated cash to close
• Required reserves
• Unresolved deposits
• Expected gift funds
• Sale proceeds
• Debt payoffs

The strongest strategy includes a reasonable cash cushion instead of planning to arrive at closing with exactly the estimated amount and nothing left over.

When a shortage occurs, the solution must address both sides of the equation:

• Enough money to close
• Enough eligible assets to satisfy underwriting

Who This Guide Is For

This guide may be especially helpful for:

• First-time homebuyers
• Buyers currently in underwriting
• Borrowers approaching closing
• Buyers affected by a low appraisal
• Borrowers receiving gift funds
• Jumbo borrowers
• Self-employed borrowers
• Buyers selling another property
• Buyers using investment assets
• VA and FHA borrowers
• Buyers whose insurance premium increased
• Borrowers whose Closing Disclosure changed

Final Thoughts

If your closing funds are short, the transaction cannot generally be completed until the shortage is resolved and approved.

Begin by determining whether the problem involves:

• Cash to close
• Required reserves
• Undocumented funds
• Missing credits
• Appraisal shortage
• Higher insurance
• Updated taxes
• Required debt payoff
• Changed loan terms

Potential solutions may include:

• Additional verified personal assets
• Eligible gift funds
• Investment liquidation
• Seller credit
• Lender credit
• Lower down payment
• Different loan structure
• Lower purchase price
• Closing extension

Do not use undisclosed borrowed funds, cash advances, or unexplained deposits.

The lender must verify the additional money and confirm that the final transaction remains eligible.

A shortage can often be solved.

The earlier it is identified, the more options you are likely to have.

Suggested Internal Links

• Mortgage Asset Requirements Explained
• Mortgage Reserve Requirements Explained
• Source of Funds Requirements for a Mortgage
• Can I Move Money Between Bank Accounts Before Closing?
• Mortgage Gift Funds Explained
• Can Borrowed Funds Be Used for a Down Payment?
• Cash Down Payment Rules
• Can I Change My Down Payment Before Closing?
• Using Stocks and Investment Accounts for a Down Payment
• Using Business Funds for a Home Purchase
• Documenting Earnest Money for Mortgage Approval
• What Happens to Earnest Money at Closing?
• Closing Disclosure Explained
• Mortgage Wire Fraud Prevention
• Can Closing Be Delayed After Clear to Close?