{"id":645,"date":"2015-07-01T16:57:40","date_gmt":"2015-07-01T16:57:40","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/08\/23\/how-and-when-to-document-earnest-money-deposit-funds-on-a-purchase\/"},"modified":"2020-07-13T22:34:35","modified_gmt":"2020-07-13T22:34:35","slug":"earnest-money-deposit","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/earnest-money-deposit\/","title":{"rendered":"How and when to document Earnest Money Deposit funds on a purchase"},"content":{"rendered":"<p>So a buyer has found the perfect house and wants to make an offer.\u00a0 Typically a seller or the <a href=\"http:\/\/www.realtor.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">listing agent <\/a>requires an earnest money deposit.\u00a0 So what is an earnest money deposit (EMD)?\u00a0\u00a0It is basically good faith money.\u00a0 This deposit is given by the buyer to an escrow officer who holds the funds.\u00a0 This starts the purchase or <a href=\"http:\/\/www.skyfiveproperties.com\/blog\/escrow-process-earnest-money-closing\" target=\"_blank\" rel=\"noopener noreferrer\">escrow process<\/a>.\u00a0 The escrow officer could be the closing attorney or the real estate company.\u00a0 Here are the basic steps in the EMD process.<\/p>\n<h2>Earnest Money Deposit Steps<\/h2>\n<ul>\n<li>Prepare purchase contract (the offer)<\/li>\n<li>Include earnest money amount in contract<\/li>\n<li>Contract acceptance<\/li>\n<li>Buyer provides EMD check<\/li>\n<li>EMD deposited into trust account<\/li>\n<li>If purchase closes:\n<ul>\n<li>Buyer is given credit for deposit.\u00a0 It reduces amount required at closing<\/li>\n<\/ul>\n<\/li>\n<li>If purchase does not close:\n<ul>\n<li>Funds are disbursed per contract<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>Earnest Money Deposit Warnings<\/h2>\n<figure id=\"attachment_1466\" aria-describedby=\"caption-attachment-1466\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1466 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/06\/little-house-with-money-and-person-signing1-300x199.jpg\" alt=\"earnest money deposit\" width=\"300\" height=\"199\" \/><figcaption id=\"caption-attachment-1466\" class=\"wp-caption-text\">What is earnest money deposit?<\/figcaption><\/figure>\n<p>Since earnest money funds may be documented during the mortgage process, avoid certain mistakes.\u00a0 First of all, never pay a deposit in cash.\u00a0 Because cash is very difficult to prove the source.\u00a0 Basically it could be from anyone.\u00a0 Also if the contract deposit comes from someone other than the buyer, tell the lender first.\u00a0 When funds are paid by another, it could at least cause a gift documentation requirement.\u00a0 What if the relative won&#8217;t provide the gift documentation?\u00a0 So Realtors should pay attention to the earnest money deposit given.\u00a0 If cash or a check not in the buyers name, question it.\u00a0 Also never give earnest money directly to the seller!\u00a0 There is nothing wrong with a for sale by owner transaction but don&#8217;t give your deposit to the seller.\u00a0 It would be better\u00a0to give it to the\u00a0closing attorney or escrow company.\u00a0 If the deal goes south, a buyer would not want their deposit in the hands of the other party!<\/p>\n<h2>Earnest Money Deposit vs Down Payment<\/h2>\n<p>Again, EMD is initial good faith funds given by the buyer.\u00a0 Although down payment is given at closing, not all purchases require down payment.\u00a0 Additionally, not all sellers require earnest money.\u00a0 At closing, the earnest money may be credited towards funds for closing. Basically the EMD is given as a credit at closing towards the buyer&#8217;s required funds.\u00a0 Let&#8217;s use the following example to show how down payment and EMD works<\/p>\n<p>Purchase price = $200,000<\/p>\n<p>Down payment = $40,000<\/p>\n<p>Closing costs = $4,000<\/p>\n<p>Loan amount = $160,000<\/p>\n<p>EMD = $1,000<\/p>\n<p>In this example, the buyer would have paid $1000 at execution of the purchase contract.\u00a0 Based on above, $44,000 is due at closing minus the $1,000 already paid up front.\u00a0 Down payment plus closing costs minus already paid EMD equals $43,000 remainder due at closing.<\/p>\n<h2>How to Document EMD funds<\/h2>\n<p>In order to use earnest money at closing, the buyer often needs to show evidence they have enough assets.\u00a0 Whether EMD must be documented depends on several factors.\u00a0 First the loan type determines how and if funds must be verified.\u00a0 Another factor involves down payment requirement.\u00a0 For instance if an <a href=\"https:\/\/portal.hud.gov\/hudportal\/HUD\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a> loan and the EMD is part of the down payment, it must be proven per HUD guidelines.<\/p>\n<h4>Lender Earnest Money Requirements<\/h4>\n<p>Lenders use bank statements to prove the buyer has sufficient funds to pay the earnest money.\u00a0 So the most recent bank statement is reviewed to ensure the borrower had enough money to pay the EMD and funds at closing.\u00a0 As a buyer, always make sure the check is written from an account with sufficient funds in it.\u00a0 Plus\u00a0an important tip is not to ever deposit cash into accounts prior to or during the mortgage process.\u00a0 Check out our article\u00a0&#8220;<span style=\"text-decoration: underline;\"><em><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/06\/16\/cash-deposits-mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid cash when purchasing a home and applying for a mortgage!<\/a><\/em><\/span>&#8220;.\u00a0 It is good advice to save issues during the mortgage process!\u00a0 Sometimes on a <a href=\"https:\/\/www.ebenefits.va.gov\/ebenefits\/homepage\" target=\"_blank\" rel=\"noopener noreferrer\">VA<\/a> loan that requires no money to close, the Veteran can just provide the EMD cancelled check.<\/p>\n<h4>Earnest Money Deposit Refund<\/h4>\n<p>As mentioned above, there are times when a down payment is not even required.\u00a0 If a buyer uses a VA, USDA, or down payment assistance loan, a down payment may not be required.\u00a0 Additionally the seller may pay all or most of the closing costs.\u00a0 So in these cases, there could be a refund of earnest money.\u00a0 In these cases, proving the earnest money definitely is an advantage to the buyer.<\/p>\n<p>One last piece of advice is to make sure the earnest money is deposited up-front.\u00a0 Otherwise it could cause issues in proving it cleared (in case it is required).\u00a0 So better to be safe and deposit the funds once received into the escrow or\u00a0trust account.\u00a0 If there are any questions before accepting the EMD, ask us.\u00a0 We would rather that it is done correctly the first time.<\/p>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So a buyer has found the perfect house and wants to make an offer.\u00a0 Typically a seller or the listing agent requires an earnest money deposit.\u00a0 So what is an earnest money deposit (EMD)?\u00a0\u00a0It is basically good faith money.\u00a0 This deposit is given by the buyer to an escrow officer who holds the funds.\u00a0 This [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1466,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,40],"tags":[7,106,377,378,379,380,381,9,10,262,98,382,383],"class_list":["post-645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-tips","tag-down-payment-source","tag-earnest-money-deposit","tag-earnest-money-deposit-check","tag-earnest-money-deposit-definition","tag-earnest-money-deposit-refund","tag-earnest-money-deposit-vs-down-payment","tag-emd","tag-first-time-buyers","tag-homebuyers","tag-nc-offer-to-purchase-and-contract","tag-nc-purchase-contract","tag-purchase-contract-requirements","tag-what-is-earnest-money-deposit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Earnest Money Deposit Definition and Lender Requirements<\/title>\n<meta name=\"description\" content=\"Buying a house usually requires paying an earnest money deposit when making an offer. 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