What if I put an offer on a house and change my mind?

Asked by: Juston Pfannerstill  |  Last update: July 12, 2025
Score: 4.5/5 (3 votes)

As a home buyer, you can back out of a home purchase agreement. However, with no contingencies written in the contract, you may face costly consequences such as losing your earnest money deposit. As a buyer, the ability to back out of an accepted house offer is good news.

Can you change your mind after putting an offer on a house?

Yes, buyers can change their minds about buying the house before officially closing on it. However, once both parties have signed the purchase agreement, it becomes a legally binding contract. You are then subject to any and all penalties outlined in the agreement if you then decide to not go through with the purchase.

Can you cancel an offer you put on a house?

An offer to purchase a property can be rescinded at any time before it is accepted. For a rescission to be effective it must be given as a notice in writing and received by the other party. Email works for this or you can have the buyers sign a formal document depending on what state you are in.

Can you pull out after accepting an offer?

Unless you're signing a contract of employment or are being given some kind of sign on bonus that needs to be repaid, there is nothing to stop you from accepting a job offer and then backing out.

What happens if you put a contract on a house and change your mind?

The answer varies by state if you're hoping to keep your money. In California, for instance, the contingency period is for a total of 17 days, after which it's extremely difficult to pull out without losing money.

Can I change my mind after making an offer on a house?

38 related questions found

How long after signing a contract can you change your mind?

Cooling-off Rule is a rule that allows you to cancel a contract within a few days (usually three days) after signing it. As explained by the Federal Trade Commission (FTC), the federal cooling-off rules gives the consumer three days to cancel certain sales for a full refund.

Can I cancel a house contract after signing?

Backing out of a contract can have financial and legal consequences. Buyers who back out without cause typically forfeit their earnest money deposit, and the seller could bring legal action. If the seller cancels the contract without cause, the buyer could sue the seller to force them to complete the sale.

Can you decline a house offer after accepting it?

The short answer is yes, you can back out of an accepted house offer. However, when you sign a purchase agreement, you're entering into a legally binding contract that includes specific terms. Typically, you'll be required to make an upfront payment known as an earnest money deposit.

How binding is an offer on a house?

You will have a binding contract if the seller, upon receiving your written offer, signs an acceptance just as it stands, unconditionally. The offer becomes a firm contract as soon as you are notified of acceptance. If the offer is rejected, that's that.

What happens if you accept an offer and then back out?

When You Can Rescind a Job Offer Acceptance. Turning down a job offer after you have already accepted it can be an uncomfortable experience. However, as long as you have not signed an employment contract with the company, you are legally allowed to change your mind.

Do you get your earnest money back if you back out?

You will likely have forfeited your earnest money if you change your mind after removing your contingencies. However, in the state of California, a buyer must remove their contingencies by completing a contingency removal form.

What happens if you change your mind about buying a house before closing?

If you back out of buying a house after signing a purchase and sale agreement, you may lose any earnest money tied to the offer. The average earnest money deposit can be as much as 3% of the home's value. In expensive areas, this could mean tens of thousands of dollars.

When can an offer be withdrawn?

Withdrawing unconditional job offers

An employer can withdraw an offer of employment at any time until it is accepted. However, once the applicant has accepted an unconditional job offer, there is a legally-binding Contract of Employment between the employer and the applicant.

How long do you have to cancel an offer on a house?

The short answer is yes, a buyer is free to withdraw their offer at any time. However, depending on the contract, there may be penalties for doing so.

Can I change my mind if I accept an offer?

As soon as you have made up your mind, you must tell the recruiter and/ or company immediately. It's critical to do so, as the employer has already invested time and money in the hiring process. They will quickly need to assess the situation and alter their plans.

How much earnest money is normal?

California law, on the other hand, limits the amount of earnest money that can go to a seller should the deal fall through to 3% of the purchase price. There are some exceptions, Stuart says, but this law makes it so few earnest money deposits exceed 3% in the Golden State.

What makes an offer legally binding?

Generally, to be legally valid, most contracts must contain two elements: All parties must agree about an offer made by one party and accepted by the other. Something of value must be exchanged for something else of value. This can include goods, cash, services, or a pledge to exchange these items.

Can you change the down payment amount after an offer is accepted?

You can, however it is not typically advised. Be aware that changing your down payment amount can result in delays in the process. Your loan will likely need to be rewritten to accommodate for the change – and, if the amount is less than initially planned, you could be at risk of losing your loan approval.

What happens if a buyer backs out after accepting an offer?

However, if a buyer backs out of a purchase agreement after the contingency period has expired, they might end up losing their earnest money. Similarly, if a buyer exits the deal for a reason not stated in the agreement, they could lose their deposit.

How do I withdraw an offer on a house?

ANSWER: There is no standard form for a party to withdraw an offer or a counter-offer. A withdrawal may be communicated by any usual means of communication, including a phone call, a text message or an email.

Is it OK to decline an offer after accepting it?

It's OK to decline a job offer you've already accepted. Life happens. Maybe another offer comes along that promises more pay, or maybe your circumstances have changed. This is a common situation, says Michael Steinitz, a senior executive director at Robert Half, a human resources consulting firm.

How much does it cost to cancel a real estate contract?

If you pull out of a contract and don't have the right contingency in place, you'll forfeit any earnest money you put down on the home. This amount varies based on market and home price, but it usually comes to 1 to 3% of the home price.

Can you change your mind after signing a house contract?

Legally, you can't back out of the deal. That's LEGALLY; PRACTICALLY speaking, your seller would have to sue you in court and ask a court to order that you buy this one, particular house from them. They may seek instead financial damages they allege.

How long after signing a contract can you back out?

A federal law allows consumers to cancel contracts made with a door-to-door salesperson or anywhere other than the seller's normal place of business within three days of signing. The three-day period is called a "cooling off" period.