What happens if I don't have enough cash to close?
It's better to catch this early. Options include asking the seller for a concession, a lender credit (a slightly higher rate in exchange for covering costs), gift funds, or down-payment assistance. If none work, the deal can fall through — so we plan ahead.
The key is to never be surprised by this — which is why I map out your full cash-to-close early. If a gap shows up, there are real options: a seller concession toward your costs, a lender credit (the lender covers some costs in exchange for a slightly higher rate), gift funds from family, or a down-payment assistance program.
If we truly can't bridge it, a deal can fall apart and you could risk your deposit, so the answer is always planning ahead. When we work together, we'll know your numbers before you ever write an offer — no last-minute scrambles.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.