Can I get my earnest money back at closing? Your deposit, aka earnest money, the deposit that you put down when you signed a contract and made an offer on the purchase of a home will be credited to you at the time of closing when you will be required to pay the down payment and other closing costs.

Earnest money is normally held in an escrow account neutral account until closing time, and it will be credited back to you when you close on any property. You won't be able to get it back, but it will be deducted from your purchase price, you will be able to see the deduction on your HUD1 at the time of your closing. Earnest money is usually used towards the down payment so you wouldnt get it back at closing.

It depends on how the earnest money is calculated on the HUD Tell your agent and loan officer that you do not want your earnest money deposit to be calculated into your closing costs or your down payment. If the numbers work out, they should have no problem doing that for you.

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