The second thing is that, though difficult sometimes, you can simply put less at the sign of contracts. This doesn't necessarily mean that your actual down payment on the total purchase will be different, it only means that your pitting less at the sign of contracts so less will be held on escrow. Sellers and Realtors do not like this, more so when it's being changed after an accepter offer is in place. This is generally interpreted as you being less committed to the transaction because you now have less money at stake.
This is your only option other than simply waiting for when you have all the funds you're waiting on so you can put the originally agreed upon amount at the sign of contract.
If you need any help, or advise with respect to financing, please feel free to contact me if I can be of any help. Good luck to you!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
Hope this helps,
Beachfront Realty, Inc.
Sanjeev Ahuja, NMLS #148731
Home Funding LLC
110 Jericho Turnpike Ste 214
Floral Park, NY 11001
Direct Phone 917-517-2552
Many purchase agreements are created allowing for initial and secondary deposits, with the second deposit coming a specified period after the initial deposit. Speak with your agent/representation about making these arrangements but make sure you allow enough time in the agreement to allow for these funds to be received.
Making your circumstances known and planning in advance should help you overcome this issue.
Shouldn't be that big a deal waiting for a few days since you already have the preapproval from a bank. Next time get everything ready before seeing property and making offers.