{"id":105684,"date":"2026-02-08T12:00:08","date_gmt":"2026-02-08T20:00:08","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=105684"},"modified":"2026-02-09T07:57:25","modified_gmt":"2026-02-09T15:57:25","slug":"escrow-holdback","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/escrow-holdback\/","title":{"rendered":"What Is an Escrow Holdback in Real Estate? A Seller\u2019s Guide"},"content":{"rendered":"\r\n<p class=\"has-ast-global-color-4-background-color has-background\"><b><i>Quick Answer:<\/i><\/b><span style=\"font-weight: 400;\"> An escrow holdback is when a lender temporarily withholds a portion of the seller\u2019s proceeds after closing to cover required repairs or unfinished work. Once the repairs are completed, inspected, and approved, the remaining funds are released back to the seller.<\/span><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">An escrow holdback is a financial agreement, approved and monitored by the lender, that enables a home sale to proceed. It involves setting aside a portion of the seller&#8217;s proceeds to cover unfinished repairs or improvements after closing. This safeguard is enforced by the lender to ensure the property meets safety, livability, or <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-prepare-for-a-home-appraisal\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">appraisal<\/span><\/a><span style=\"font-weight: 400;\"> standards. Upon completion and verification of the work, any remaining funds are returned to the seller.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Whether you\u2019re selling a home in <\/span><a href=\"https:\/\/www.redfin.com\/city\/12260\/TN\/Memphis\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Memphis, TN<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.redfin.com\/city\/4664\/OH\/Columbus\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Columbus, OH<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/www.redfin.com\/city\/19701\/CA\/Temecula\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Temecula, CA<\/span><\/a><span style=\"font-weight: 400;\"> understanding how escrow holdbacks work can give you peace of mind and help you close on time. This Redfin guide will explain what an escrow holdback is, why it matters for sellers, and how you can prepare if it comes up in your transaction.<\/span><\/p>\r\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400;\">What is an escrow holdback?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">An escrow holdback is when a portion of the seller\u2019s proceeds is temporarily withheld at closing and placed into an escrow account to pay for lender-required repairs or improvements that cannot be completed before closing. In some cases, the funds are drawn directly from the seller\u2019s proceeds; in others, they may be placed into a separate account. Once the required work is finished and verified to meet lender requirements, the funds are released.<\/span><\/p>\r\n<p><b><i>&gt;&gt; Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/how-does-escrow-work-when-selling-a-house\/\" data-wpel-link=\"exclude\"><b><i>How Does Escrow Work When Selling a House?<\/i><\/b><\/a><\/p>\r\n<h2><span style=\"font-weight: 400;\">What causes an escrow holdback?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">There are several reasons a lender may require an escrow holdback. Understanding these reasons can help sellers anticipate and prepare for potential delays. Here are the typical causes:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Appraisal findings<\/b><span style=\"font-weight: 400;\">: Safety or livability issues flagged by the appraiser that must be addressed.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inspection repairs<\/b><span style=\"font-weight: 400;\">: Issues with the foundation, roof, or other critical systems that must be resolved before the home is fully habitable.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Weather-dependent work<\/b><span style=\"font-weight: 400;\">: Seasonal projects like painting, landscaping, or exterior repairs that can\u2019t be completed in winter.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Construction or renovation delays<\/b><span style=\"font-weight: 400;\">: <\/span><a href=\"https:\/\/www.redfin.com\/blog\/first-time-home-buyer-new-construction\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">New builds<\/span><\/a><span style=\"font-weight: 400;\"> or remodels that aren\u2019t fully finished by closing.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Permit or title requirements<\/b><span style=\"font-weight: 400;\">: Outstanding permits, septic certifications, or legal documentation that must be finalized.<\/span><\/li>\r\n<\/ul>\r\n<h2><span style=\"font-weight: 400;\">Who decides when an escrow holdback is necessary?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The lender decides whether an escrow holdback is required, since it\u2019s tied to the buyer\u2019s financing. Even if the seller and buyer agree that repairs can be done after closing, the lender must approve\u00a0 the arrangement for the sale to proceed. If the lender doesn\u2019t allow it or if the repairs don\u2019t meet their criteria, the transaction may be delayed until the work is completed.<\/span><\/p>\r\n<p><b>How this might look in practice<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">In Minnesota, a home seller received an appraisal in December requiring exterior painting. Since the work couldn\u2019t be done during the winter, the lender approved an escrow holdback. Funds were withheld at closing to cover the painting, and once the project was completed in spring and passed final <\/span><a href=\"https:\/\/www.redfin.com\/blog\/home-inspection\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">inspection<\/span><\/a><span style=\"font-weight: 400;\">, the remaining money was released back to the seller.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">What sellers can expect during the escrow holdback process<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">To further understand the escrow holdback process as a seller, it\u2019s important to look at each key step and see how the seller\u2019s role fits in.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">1. Issues identified and an agreement is reached<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">When an appraisal or inspection reveals necessary repairs, the buyer and seller agree on the work and escrow amount, documented in a purchase contract addendum.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">3. Lender reviews and approves the escrow holdback agreement<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">The lender reviews the proposed escrow holdback agreement to ensure it meets their requirements and approves the arrangement.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">4. Seller funds are withheld at closing<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">At closing, typically 100\u2013120% of the estimated repair cost, is withheld from the seller&#8217;s proceeds and placed into an escrow account.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">5. Repairs are completed post-closing<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Following the close of sale, the seller is obligated to complete the agreed-upon repairs or improvements within the stipulated timeframe.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">6. A final inspection occurs and funds are released to the seller<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Once repairs are finished, a final inspection is conducted to ensure the work meets the lender&#8217;s specific standards. After the inspection is approved, the escrow agent is authorized to release the remaining funds to the seller.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">To ensure this final stage doesn&#8217;t hit a standstill, Elliot J. Danziger of <\/span><a href=\"https:\/\/danzigerlegal.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Danziger Legal PLLC<\/span><\/a><span style=\"font-weight: 400;\"> recommends defining the exit strategy upfront, \u201cThe most important detail for a seller in an escrow holdback agreement is a clear process for releasing the funds once repairs are done. The agreement should spell out what proof is needed and include a firm response deadline, so the escrow cannot be held up indefinitely if the buyer does not object after receiving confirmation that the work is complete.\u201d<\/span><\/p>\r\n<p><b><i>&gt;&gt; Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/what-is-escrow\/\" data-wpel-link=\"exclude\"><b><i>What is Escrow? A Clear Guide to the Escrow Process<\/i><\/b><\/a><\/p>\r\n<h2><span style=\"font-weight: 400;\">Pros and cons of escrow holdback for sellers<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">While sellers don\u2019t always have control over whether an escrow holdback is used, since <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-choose-a-mortgage-lender\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">lenders<\/span><\/a><span style=\"font-weight: 400;\"> may require one to approve financing, it\u2019s still important to understand the benefits and drawbacks.\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">Pros of an escrow holdback<\/span><\/h3>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Keeps the sale on schedule:<\/b><span style=\"font-weight: 400;\"> Allows the transaction to close on time despite unfinished repairs, <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-avoid-a-delayed-closing\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">preventing delays<\/span><\/a><span style=\"font-weight: 400;\"> that could jeopardize the deal.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Helps secure the deal:<\/b><span style=\"font-weight: 400;\"> Reassures the buyer, reducing the risk of cancellation or financing issues.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Facilitates lender approval:<\/b><span style=\"font-weight: 400;\"> Ensures lender-required conditions are met, allowing the buyer\u2019s financing to proceed.<\/span><\/li>\r\n<\/ul>\r\n<h3><span style=\"font-weight: 400;\">Cons of an escrow holdback<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">According to Michael R. Nerenberg, Esq., Senior Partner at <\/span><a href=\"https:\/\/www.borahgoldstein.com\/?npcmp=dir:local:1564196:10013\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Borah, Goldstein, Altschuler, Nahins &amp; Goidel, P.C<\/span><\/a><span style=\"font-weight: 400;\">, the most significant risk for a seller isn&#8217;t just the delay, it&#8217;s the potential for open-ended costs<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">&#8220;The biggest blindspot is failing to include language confirming that the amount of escrow is the cap on the seller\u2019s liability \u2013 i.e. that if the cost of the action\/repair that is the subject matter of the escrow exceeds the amount of escrow, the seller is not liable for the difference. What that leads to is an unknown post-closing obligation from the seller.&#8221;<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Beyond this liability &#8220;blindspot,&#8221; sellers should also consider these drawbacks:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Proceeds withheld temporarily<\/b><span style=\"font-weight: 400;\">: A portion of your funds is locked away at closing, which can disrupt your financial plans for your next move.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lender restrictions<\/b><span style=\"font-weight: 400;\">: Some loan programs have strict limits on <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-budget-for-home-maintenance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">repair costs<\/span><\/a><span style=\"font-weight: 400;\"> or may not allow holdbacks at all, complicating the timeline.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Timing risks<\/b><span style=\"font-weight: 400;\">: If repairs aren&#8217;t finished by the agreed deadline, you risk losing the withheld funds or facing buyer disputes.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ongoing responsibility<\/b><span style=\"font-weight: 400;\">: Even after you\u2019ve moved out, you remain responsible for coordinating contractors and ensuring the work passes inspection.<\/span><\/li>\r\n<\/ul>\r\n<h2><span style=\"font-weight: 400;\">How loan types affect escrow holdbacks<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">An escrow holdback\u2019s allowance and amount depend on the buyer\u2019s <\/span><a href=\"http:\/\/rocketmortgage.com\/home-loans\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">home loan<\/span><\/a><span style=\"font-weight: 400;\"> program, affecting the seller\u2019s withheld proceeds and conditions at closing. Loan guidelines can change, so confirm details with the lender early in the process.<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Conventional loans \u2013 more flexibility<\/b><span style=\"font-weight: 400;\">: Conventional loans typically allow more flexible escrow holdbacks, with lenders having greater discretion on repair types and fewer strict limits.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"http:\/\/rocketmortgage.com\/learn\/fha-loans\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><b>FHA loans <\/b><\/a><b>\u2013 $5,000 cap<\/b><span style=\"font-weight: 400;\">: Federal Housing Administration loans limit holdbacks to a maximum of $5,000. If repairs exceed this amount, an FHA holdback likely isn\u2019t an option.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"http:\/\/rocketmortgage.com\/home-loans\/va-loan\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><b>VA loans<\/b><\/a><b> \u2013 larger cushion required<\/b><span style=\"font-weight: 400;\">: VA loans typically require an escrow holdback of 150% of the estimated repair cost, temporarily withholding a larger portion of seller proceeds.<\/span><\/li>\r\n<\/ul>\r\n<p><b><i>&gt;&gt; Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/types-of-mortgage-loans\/\" data-wpel-link=\"exclude\"><b><i>Types of Mortgage Loans<\/i><\/b><\/a><\/p>\r\n<h2><span style=\"font-weight: 400;\">Tips for sellers navigating an escrow holdback<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">If you\u2019re facing a holdback, here\u2019s how to handle it with fewer surprises:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get multiple repair estimates<\/b><span style=\"font-weight: 400;\">: Secure 2-3 detailed estimates from qualified contractors to ensure the escrow amount is realistic.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Put details in writing<\/b><span style=\"font-weight: 400;\">: Ensure the addendum clearly defines the scope, timeline, and inspection requirements for fund release.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Confirm lender approval early<\/b><span style=\"font-weight: 400;\">: Verify that the buyer&#8217;s specific loan program allows for a holdback before you reach the closing table.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stay involved post-closing<\/b><span style=\"font-weight: 400;\">: You remain responsible for overseeing quality and facilitating the final inspection to trigger your payout.<\/span><\/li>\r\n<\/ul>\r\n<h3><span style=\"font-weight: 400;\">The key to avoiding delays<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">The paperwork is often where sellers run into trouble. Bryan S. Malickson, Esquire, Sales Manager at <\/span><a href=\"https:\/\/www.masettlement.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Mid-Atlantic Settlement Services<\/span><\/a><span style=\"font-weight: 400;\">, notes that a vague agreement is the primary reason funds remain in limbo.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">\u201cThe most common reason escrow holdback funds get &#8216;stuck,&#8217; or delayed, is because the parties fail to execute a clear Escrow Agreement that sets out the specific terms upon which the funds must be disbursed by the Holder. A clear, specific Escrow Agreement that spells out the parties\u2019 intentions and the circumstances upon which funds get disbursed, in what amount, and to whom, will significantly increase the chances that the escrow funds will be disbursed without issue.\u201d<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">FAQs: Escrow holdback<\/span><\/h2>\r\n<h3><span style=\"font-weight: 400;\">1. Who pays for an escrow holdback?<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Typically, the seller funds the escrow holdback from their sale proceeds at closing to cover repairs or required work. However, arrangements can vary based on buyer, seller, and lender agreement.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">2. How long does an escrow holdback last?<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Lenders typically require repairs to be completed within 30-180 days of closing, though some projects (e.g., weather-related, large repairs) may be granted extensions.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">3. What happens if repairs cost more than estimated?<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Escrow accounts often include a cushion to cover unexpected overruns. If costs still exceed that cushion, the seller is usually responsible for covering the difference out of pocket.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">4. Can leftover escrow funds go back to the seller?<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Yes. If the repairs are completed under budget and the lender\u2019s requirements are met, any unused funds are returned to the seller once the escrow account is closed.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">5. Are escrow holdbacks required?<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">While escrow holdbacks are not required in every real-estate transaction, lenders may require an escrow holdback as a condition for financing. If so, both buyer and seller must agree to it for the sale to close, making it a required condition of the transaction.<\/span><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>An escrow holdback lets a home sale close on time by setting aside part of the seller\u2019s proceeds to cover repairs after closing. Learn how escrow holdbacks work, lender rules, pros and cons, and what sellers should expect during the process.<\/p>\n","protected":false},"author":823,"featured_media":104709,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34279],"tags":[34622,34669],"coauthors":[36437],"class_list":["post-105684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling-a-home","tag-home-selling-tips","tag-selling-prep"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Escrow Holdback? A Seller&#039;s Guide - Redfin<\/title>\n<meta name=\"description\" content=\"Learn what an escrow holdback is, how it works for sellers, and how it can keep your home sale on track when repairs aren\u2019t finished. Tips, examples, loan rules, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/escrow-holdback\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is an Escrow Holdback in Real Estate? A Seller\u2019s Guide\" \/>\n<meta property=\"og:description\" content=\"Learn what an escrow holdback is, how it works for sellers, and how it can keep your home sale on track when repairs aren\u2019t finished. 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