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Raymer says that for her clients, especially first-time buyers, she suggests an FHAloan, which only requires 3.5% FHA is really one of the best options,” she advises. She adds that Florida also has numerous down payment assistance programs, many of which are tied to state bond money. Earnestmoneydeposit amount.
Otherwise, earnestmoney will be held in an escrow account until closing, and the amount is then applied toward your down payment at closing. Larsen cautions that if you’re buying a newconstruction home, you will likely be expected to pay a much larger percentage of earnestmoney.
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