{"id":71347,"date":"2026-06-08T10:06:09","date_gmt":"2026-06-08T17:06:09","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=71347"},"modified":"2026-06-09T00:00:05","modified_gmt":"2026-06-09T07:00:05","slug":"contingencies-in-real-estate","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/contingencies-in-real-estate\/","title":{"rendered":"What Are Contingencies in Real Estate?"},"content":{"rendered":"<h3><b>Key Takeaways:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contingencies are conditions that must be met before a home sale can move forward.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buyers are more likely to include contingencies when market conditions give them greater negotiating power.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inspection, appraisal, and financing contingencies are among the most common protections included in real estate contracts.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The housing market looks very different than it did during the pandemic, when buyers often waived contingencies to make their offers more competitive. Today, the balance of power has shifted. Today there are <\/span><a href=\"https:\/\/www.redfin.com\/news\/data-center\/buyers-sellers\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">47% more home sellers<\/span><\/a><span style=\"font-weight: 400;\">, giving buyers more negotiating leverage and more opportunities to include protections in their offers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s where contingencies enter the picture. A contingency is a condition written into a purchase agreement that must be met for the sale to move forward. These conditions help protect buyers during the transaction by allowing them to renegotiate certain terms or walk away from the deal without penalty if specific requirements aren&#8217;t met.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although not required, contingencies are a common feature in real estate contracts, and some are especially important depending on the location. For example, a financing contingency allows buyers to back out of a deal if they&#8217;re unable to secure a mortgage by a specified deadline.\u00a0 Keep reading to learn how contingencies work, which ones to expect, and how they can help you avoid costly surprises during the home buying process.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-88082\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268.jpg\" alt=\"\" width=\"1188\" height=\"774\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268.jpg 1188w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268-300x195.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268-1024x667.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268-768x500.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268-230x150.jpg 230w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268-967x630.jpg 967w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/11\/4604-Avenue-F-Austin-TX_04-e1749507828268-460x300.jpg 460w\" sizes=\"(max-width: 1188px) 100vw, 1188px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What are contingencies in real estate?<\/span><\/h2>\n<p><b>In real estate, a contingency is a condition written into a purchase agreement that must be met for the sale to move forward.<\/b><span style=\"font-weight: 400;\"> These conditions can include the home passing inspection, appraising at value, or the buyer securing financing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contingencies act as a safety net for buyers, allowing them to renegotiate or walk away without losing their<\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-earnest-money\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> earnest money deposit<\/span><\/a><span style=\"font-weight: 400;\"> if a critical condition isn\u2019t met. At the same time, they provide sellers with a clear framework and timeline, so everyone knows what steps need to be completed and by when.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a highly competitive market, buyers may choose to waive contingencies to make their offer more attractive to sellers.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Should you include contingencies in today&#8217;s housing market?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In most cases, yes. Contingencies help protect buyers from unexpected issues related to a home&#8217;s condition, value, financing, or legal status.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During the <\/span><a href=\"https:\/\/www.redfin.com\/news\/housing-market-records-2021\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">pandemic housing boom<\/span><\/a><span style=\"font-weight: 400;\">, many buyers waived contingencies to make their offers more competitive. Today, the market looks different. With <\/span><a href=\"https:\/\/www.redfin.com\/news\/data-center\/buyers-sellers\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">47% more sellers than buyers<\/span><\/a><span style=\"font-weight: 400;\"> nationwide, buyers generally have more negotiating power and may have greater flexibility to include protections like inspection, appraisal, and financing contingencies in their offers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That doesn&#8217;t mean every buyer should include every contingency. The right approach depends on factors such as local market conditions, the property&#8217;s condition, and your financial situation. An experienced real estate agent can help you determine which contingencies are important and whether waiving any makes sense for your specific circumstances.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is a contingent offer, and how does it work?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When a buyer submits a contingent offer, it means their offer depends on certain conditions being met, such as inspections, appraisals, or securing financing. The sale can only move forward if these conditions are satisfied.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once the seller accepts the <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-contingent-vs-pending\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">contingent offer<\/span><\/a><span style=\"font-weight: 400;\">, the home is usually listed as contingent, meaning there\u2019s an active offer, but the sale isn\u2019t final. Home delistings have been on the rise over the past few years, which could point toward deals falling through because of unmet contingencies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each contingency has a deadline, called the contingency period. Buyers must complete their due diligence and meet conditions during this set timeframe. Missing a deadline can put their earnest money at risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During the contingency period, buyers have opportunities to negotiate. For example, if a home inspection uncovers any issues, the buyer can request repairs, a reduced price, or credits to address any issues found.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What happens if a contingency isn\u2019t met?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If a contingency isn\u2019t satisfied within the agreed-upon timeframe, the buyer typically has the right to terminate the contract and get their earnest money back. Buyers can also choose to renegotiate instead of walking away. For example, after an inspection reveals issues, the buyer might request repairs, credits, or a price reduction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember: deadlines are critical. Buyers must complete all contingency-related tasks within the specified periods. Missing a deadline without an extension could result in losing the earnest money or other legal consequences.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If a contingency isn\u2019t met and the buyer terminates, the seller will typically relist the home or put it back on the market, opening the door for other buyers to submit offers.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Typical contingency timelines<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While timelines vary by market and contract, the following timeframes are common:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Contingency<\/b><\/td>\n<td><b>Typical timeline<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home inspection<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7\u201310 days<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Appraisal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20133 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Financing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">21\u201330 days<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">HOA review<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Varies by state and association<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><\/h2>\n<h2><span style=\"font-weight: 400;\">The top 8 most common contingencies to consider in your offer<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When<\/span><a href=\"https:\/\/www.redfin.com\/blog\/making-an-offer-on-a-house\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">submitting an offer on a home<\/span><\/a><span style=\"font-weight: 400;\">, including the right contingencies is crucial. Contingencies give buyers the ability to confirm important aspects of the property, financing, and legal ownership before fully committing.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below, we\u2019ll explain how the following common real estate contingencies work and the protections they provide:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home inspection contingency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appraisal contingency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financing contingency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Title contingency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home sale contingency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home insurance contingency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kick-out clause<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HOA contingency<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">1. Home inspection contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.redfin.com\/blog\/inspection-contingency\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> home inspection contingency<\/span><\/a><span style=\"font-weight: 400;\"> is one of the most frequently used contingencies in real estate. It gives the buyer the right to have the<\/span><a href=\"https:\/\/www.redfin.com\/blog\/home-inspection\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> home professionally inspected<\/span><\/a><span style=\"font-weight: 400;\">, usually within 7 to 10 days after the offer is accepted. If the inspection uncovers significant issues, such as foundation damage, roof problems, or mold, the buyer can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request repairs or credits from the seller<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renegotiate the purchase price or contract terms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel the contract and keep their earnest money deposit<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">2. Appraisal contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.redfin.com\/blog\/appraisal-contingency-and-your-homebuying-journey\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">appraisal contingency<\/span><\/a><span style=\"font-weight: 400;\"> protects buyers from overpaying and lenders from financing more than the <\/span><a href=\"https:\/\/www.redfin.com\/what-is-my-home-worth\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home is worth<\/span><\/a><span style=\"font-weight: 400;\">. This comes into play when a buyer is financing a home. Lenders require an <\/span><a href=\"https:\/\/www.redfin.com\/blog\/home-appraisal\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">appraisal<\/span><\/a><span style=\"font-weight: 400;\"> to confirm that the property\u2019s value supports the loan amount. If the appraisal comes in lower than the agreed purchase price, the buyer can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cover the difference in cash<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renegotiate the price<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exit the contract<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Renegotiation is common, giving both the buyer and seller a chance to adjust the price or terms to reflect the home\u2019s appraised value.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3. Financing (mortgage) contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.redfin.com\/blog\/financing-contingency\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">financing contingency<\/span><\/a><span style=\"font-weight: 400;\">, also known as a mortgage contingency, allows the buyer to back out of the sale if they\u2019re unable to secure mortgage approval, usually within 21 to 30 days. Reasons for denial can include credit issues, job changes, or changes in loan terms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If financing falls through, the buyer can withdraw from the contract and get their earnest money back. However, many buyers work with their lender to explore alternative financing options before canceling.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4. Title contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Title contingencies give the buyer the right to review the results of a title search and cancel the contract if any issues related to <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-find-out-who-owns-a-property\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">ownership<\/span><\/a><span style=\"font-weight: 400;\"> or property rights are discovered. The title company usually conducts this search shortly after the contract is signed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common title issues include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unpaid property taxes or contractor liens<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Boundary disputes or <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-an-easement\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">easements<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Undisclosed heirs or prior <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-find-out-who-owns-a-property\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">claims of ownership<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Errors in public records or deeds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If a problem is found, the seller is generally given a window to resolve it, such as clearing a lien or correcting a legal error. If they can\u2019t deliver a clear title by the closing date, the buyer can back out and recover their earnest money.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">5. Home sale contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.redfin.com\/blog\/home-sale-contingency\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home sale contingency<\/span><\/a><span style=\"font-weight: 400;\"> makes the purchase dependent on the buyer selling their current home within a specified period. If the buyer can\u2019t sell their home in time, they can cancel the contract without losing their earnest money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This contingency is often used by buyers who need the proceeds from their existing home to complete the purchase. Because the transaction depends on another home sale, sellers sometimes view these offers as less attractive than offers without this condition.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, home sale contingencies can be more common in markets where buyers have greater negotiating power and sellers have fewer competing offers to choose from.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">6. Homeowners insurance contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A homeowners insurance contingency allows the buyer to confirm they can obtain adequate<\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-does-homeowners-insurance-cover\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> for the property at a reasonable cost. If the buyer is unable to secure coverage &#8211; due to factors like location, condition, or risk exposure \u2013 they can cancel the contract without penalty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This contingency is especially important in areas prone to natural disasters, such as floods, wildfires, or hurricanes, where insurance may be limited or expensive.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">7. Kick-out clause\/contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-a-kick-out-clause\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">kick-out clause<\/span><\/a><span style=\"font-weight: 400;\"> is a contingency used by sellers when accepting an offer that includes a home sale contingency. It allows the seller to continue marketing their property and accept backup offers even after entering into a contract with a buyer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If another buyer submits a stronger offer, the seller can notify the original,<\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-a-bumpable-buyer\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">bumpable buyer<\/span><\/a><span style=\"font-weight: 400;\">, who typically has 24 to 72 hours to either:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Remove their home sale contingency and proceed with the purchase, or<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Walk away and allow the seller to accept the new offer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This clause must be clearly outlined in the purchase agreement, including the required notice period and response timeframe.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">8. Homeowners association (HOA) contingency<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A homeowners association (HOA) contingency applies to homes or condos governed by an HOA. It gives buyers the right to review HOA agreements, rules, and financial documents before fully committing to the purchase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the buyer doesn\u2019t receive the necessary documentation in time, or if they disagree with the HOA\u2019s obligations or restrictions, they can cancel the contract without losing their earnest money.<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-81690\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67.jpg\" alt=\"screened patio home remodeling arlington, va\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/03\/Bethesda67-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">FAQs about contingencies in real estate<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What contingencies should I include when buying a house?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The contingencies you should include depend on the home\u2019s condition, location, and your financial situation. That said, most buyers benefit from including inspection, appraisal, and financing contingencies, especially if they\u2019re receiving a mortgage loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In certain areas, additional contingencies may be especially important. For example, if you&#8217;re buying a<\/span><a href=\"https:\/\/www.redfin.com\/city\/16751\/UT\/St-George\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">home in St. George, UT<\/span><\/a><span style=\"font-weight: 400;\"> where wildfires are a possibility, or in coastal cities like<\/span><a href=\"https:\/\/www.redfin.com\/city\/6173\/FL\/Fort-Lauderdale\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">Fort Lauderdale<\/span><\/a><span style=\"font-weight: 400;\"> or<\/span><a href=\"https:\/\/www.redfin.com\/city\/12171\/FL\/Naples\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">Naples<\/span><\/a><span style=\"font-weight: 400;\"> that are prone to hurricanes and flooding, it can be wise to include a home insurance contingency.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can a seller back out because of a contingency?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In most cases, sellers cannot back out of a contract simply because they change their mind. However, certain contract terms, deadlines, or seller-specific contingencies may allow a seller to terminate the agreement under specific circumstances. Contract rules vary by state, so buyers and sellers should review their agreement carefully.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What\u2019s the difference between pending and contingent?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A contingent listing is still under contract but waiting for specific conditions to be met. A <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-contingent-vs-pending\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">pending<\/span><\/a><span style=\"font-weight: 400;\"> listing means all contingencies have been cleared and the sale is in its final stages before closing.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is it risky to waive contingencies?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Waiving contingencies, like the inspection, can make an offer more competitive, but it increases the buyer\u2019s financial and legal risk. If problems arise, the buyer may have no contractual way out.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can you remove contingencies after an offer is accepted?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, contingencies can be removed or waived after the offer is accepted &#8211; either voluntarily by the buyer or after certain deadlines pass. In some cases, buyers may be required to formally remove them in writing to keep the contract moving forward.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can a seller accept another offer while a property is contingent?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In most cases, no, unless the contract includes a kick-out clause. Without one, the seller is typically obligated to honor the original agreement while the contingencies are being resolved.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is it common for contingent offers to fall through?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most contingent offers still make it to closing. That said, when<\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-often-do-contingent-offers-fall-through\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">deals do fall through<\/span><\/a><span style=\"font-weight: 400;\">, common reasons include issues with inspections, appraisals, or financing.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how real estate contingencies work, from inspection to financing clauses, and how they protect buyers and sellers during a home purchase.<\/p>\n","protected":false},"author":557,"featured_media":88082,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","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":"default","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":[34276],"tags":[34617,4007],"coauthors":[34341],"class_list":["post-71347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-home-buying-process","tag-home-buyer-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Contingencies in Real Estate | Redfin<\/title>\n<meta name=\"description\" content=\"Learn how real estate contingencies work, from inspection to financing clauses, and how they protect buyers during a home purchase.\" \/>\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\/contingencies-in-real-estate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are Contingencies in Real Estate?\" \/>\n<meta property=\"og:description\" content=\"Learn how real estate contingencies work, from inspection to financing clauses, and how they protect buyers during a home purchase.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.redfin.com\/blog\/contingencies-in-real-estate\/\" \/>\n<meta property=\"og:site_name\" content=\"Redfin | Real Estate Tips for Home Buying, Selling &amp; 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