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I do not have my own realtor and is using the realtor for the non-profit that I am purchasing my home from and was wondering if there is a formula or customary amount to put down for the EMD.
We are in contract with 180K home and the seller wanted only $500 earnest money, he also agreed to pay $5800 towards closing cost. Our file goes to underwriting tonight or tomorrow .
I'm in the process of trying to buy a home and we had to leave an EMD of 50% of the downpayment. We are in NYC.
Large EMD's in NYC are typical - often can be the entire down payment if it's less than 5% down.