Will I get my earnest money back at closing on a USDA loan?

As long as you don't owe anything at closing you will. I am thinking you received 100% financing.

With a sellers concession?

Hi Samuel, Your earnest money is a credit in your favor at closing along with the loan funds and any seller concessions or lender credits. If the credits in your favor outweigh the amounts you are required to pay, you will receive the earnest money deposit back.

It depends on many factors.. USDA allows you to include up to 2% closing costs into your loan.. If the 2% is not enough to cover the costs and the seller did not contribute via seller concessions, then it's possible you will have to come out of pocket to finalize the deal.. If you have already applied, then call your loan officer and ask him if you need cash to close.. if you do, the earnest money would go towards it.. if you don't, then you will be refunded any excess monies at close.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Only if the amount of your deposit is more than the closing costs that you are responsible for... Then you will get the difference between the two. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson