{"id":95178,"date":"2025-07-04T01:31:23","date_gmt":"2025-07-04T01:31:23","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/"},"modified":"2025-07-04T01:31:23","modified_gmt":"2025-07-04T01:31:23","slug":"how-much-earnest-money-to-put-down-on-a-house","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/","title":{"rendered":"How much earnest money to put down on a house?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#How_much_earnest_money_to_put_down_on_a_house\" title=\"How much earnest money to put down on a house?\">How much earnest money to put down on a house?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#FAQs_about_earnest_money_deposits\" title=\"FAQs about earnest money deposits\">FAQs about earnest money deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#1_Can_I_put_down_less_than_1_as_earnest_money\" title=\"1. Can I put down less than 1% as earnest money?\">1. Can I put down less than 1% as earnest money?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#2_Will_my_earnest_money_deposit_go_towards_my_down_payment\" title=\"2. Will my earnest money deposit go towards my down payment?\">2. Will my earnest money deposit go towards my down payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#3_Can_I_get_my_earnest_money_back_if_the_deal_falls_through\" title=\"3. Can I get my earnest money back if the deal falls through?\">3. Can I get my earnest money back if the deal falls through?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#4_How_do_I_protect_my_earnest_money_deposit\" title=\"4. How do I protect my earnest money deposit?\">4. How do I protect my earnest money deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#5_Is_there_a_maximum_amount_of_earnest_money_I_can_put_down\" title=\"5. Is there a maximum amount of earnest money I can put down?\">5. Is there a maximum amount of earnest money I can put down?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#6_Can_I_negotiate_the_amount_of_earnest_money_with_the_seller\" title=\"6. Can I negotiate the amount of earnest money with the seller?\">6. Can I negotiate the amount of earnest money with the seller?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#7_Can_I_make_my_earnest_money_deposit_with_a_personal_check\" title=\"7. Can I make my earnest money deposit with a personal check?\">7. Can I make my earnest money deposit with a personal check?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#8_Can_I_use_a_credit_card_for_my_earnest_money_deposit\" title=\"8. Can I use a credit card for my earnest money deposit?\">8. Can I use a credit card for my earnest money deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#9_What_happens_to_my_earnest_money_if_the_appraisal_comes_in_lower_than_the_agreed-upon_price\" title=\"9. What happens to my earnest money if the appraisal comes in lower than the agreed-upon price?\">9. What happens to my earnest money if the appraisal comes in lower than the agreed-upon price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#10_Can_I_lose_my_earnest_money_if_I_cant_secure_financing_for_the_purchase\" title=\"10. Can I lose my earnest money if I can&#8217;t secure financing for the purchase?\">10. Can I lose my earnest money if I can&#8217;t secure financing for the purchase?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#11_Can_I_put_down_multiple_earnest_money_deposits_on_different_properties\" title=\"11. Can I put down multiple earnest money deposits on different properties?\">11. Can I put down multiple earnest money deposits on different properties?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#12_How_long_does_it_take_to_get_my_earnest_money_back_if_the_deal_falls_through\" title=\"12. How long does it take to get my earnest money back if the deal falls through?\">12. How long does it take to get my earnest money back if the deal falls through?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_much_earnest_money_to_put_down_on_a_house\"><\/span>How much earnest money to put down on a house?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When buying a house, one of the key steps is putting down an earnest money deposit to show the seller that you are serious about purchasing their property. The amount of earnest money you should put down can vary depending on several factors, such as the local real estate market, the price of the property, and the norms in your area. In general, earnest money deposits are typically between 1% to 3% of the purchase price of the home.<\/p>\n<p>Putting down a larger earnest money deposit can make your offer more attractive to sellers, as it shows that you are committed to the deal. However, it&#8217;s important to consider your financial situation before putting down a large deposit, as earnest money deposits are typically non-refundable if you back out of the deal without a valid reason.<\/p>\n<p>If you&#8217;re unsure about how much earnest money to put down on a house, it&#8217;s a good idea to consult with your real estate agent or a local real estate attorney who can provide guidance based on your specific circumstances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_earnest_money_deposits\"><\/span>FAQs about earnest money deposits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_put_down_less_than_1_as_earnest_money\"><\/span>1. Can I put down less than 1% as earnest money?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, sellers may accept a smaller earnest money deposit, but it could make your offer less competitive compared to other buyers who are putting down a larger deposit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Will_my_earnest_money_deposit_go_towards_my_down_payment\"><\/span>2. Will my earnest money deposit go towards my down payment?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, your earnest money deposit is typically applied towards your down payment or closing costs when you close on the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_get_my_earnest_money_back_if_the_deal_falls_through\"><\/span>3. Can I get my earnest money back if the deal falls through?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhether or not you can get your earnest money back if the deal falls through depends on the terms of the purchase agreement and the reasons for the deal falling through. It&#8217;s important to carefully review the contract before making your deposit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_do_I_protect_my_earnest_money_deposit\"><\/span>4. How do I protect my earnest money deposit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo protect your earnest money deposit, make sure to include contingencies in your purchase agreement that outline specific conditions under which you can get your deposit back.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Is_there_a_maximum_amount_of_earnest_money_I_can_put_down\"><\/span>5. Is there a maximum amount of earnest money I can put down?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThere is no set maximum amount for earnest money deposits, but putting down an excessively large deposit could put you at risk if the deal falls through.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_negotiate_the_amount_of_earnest_money_with_the_seller\"><\/span>6. Can I negotiate the amount of earnest money with the seller?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, earnest money amounts are typically negotiable between the buyer and the seller. Your real estate agent can help you navigate this negotiation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_make_my_earnest_money_deposit_with_a_personal_check\"><\/span>7. Can I make my earnest money deposit with a personal check?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost sellers prefer earnest money deposits to be made with a cashier&#8217;s check or wire transfer to ensure the funds are secure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_use_a_credit_card_for_my_earnest_money_deposit\"><\/span>8. Can I use a credit card for my earnest money deposit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUsing a credit card for your earnest money deposit is generally not recommended, as it may raise red flags for the seller and can have implications for your credit utilization.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_happens_to_my_earnest_money_if_the_appraisal_comes_in_lower_than_the_agreed-upon_price\"><\/span>9. What happens to my earnest money if the appraisal comes in lower than the agreed-upon price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraisal comes in lower than the agreed-upon price, you may have the option to renegotiate the purchase price, or you could potentially get your earnest money back if you decide to walk away from the deal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_lose_my_earnest_money_if_I_cant_secure_financing_for_the_purchase\"><\/span>10. Can I lose my earnest money if I can&#8217;t secure financing for the purchase?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you include a financing contingency in your purchase agreement and are unable to secure financing, you may be able to get your earnest money back.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_put_down_multiple_earnest_money_deposits_on_different_properties\"><\/span>11. Can I put down multiple earnest money deposits on different properties?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPutting down multiple earnest money deposits on different properties can be risky, as it ties up your funds and could lead to potential losses if you back out of multiple deals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_long_does_it_take_to_get_my_earnest_money_back_if_the_deal_falls_through\"><\/span>12. How long does it take to get my earnest money back if the deal falls through?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe timeline for getting your earnest money back if the deal falls through can vary depending on the terms of the contract and the specific circumstances of the deal. It&#8217;s important to work with your real estate agent or attorney to ensure a timely return of your funds.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How much earnest money to put down on a house? When buying a house, one of the key steps is putting down an earnest money deposit to show the seller that you are serious about purchasing their property. The amount of earnest money you should put down can vary depending on several factors, such as &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How much earnest money to put down on a house?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-much-earnest-money-to-put-down-on-a-house\/#more-95178\">Read more<span class=\"screen-reader-text\">How much earnest money to put down on a house?<\/span><\/a><\/p>\n","protected":false},"author":13,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-95178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How much earnest money to put down on a house?<\/title>\n<meta name=\"description\" content=\"How much earnest money to put down on a house? 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