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The good faith estimate on my loan included an impound account. I have not had one in ten years and am quite able to put money aside and mailing it to the OC Accessor twice a year. To me, all an impount account does is require me to bring more to the table at closing, THEN paying the extra...

If you have not removed contingencies, then you can cancel without losing your down payment. If you removed all contingencies, then you will lose the down payment but can walk away from the purchase. As noted above talk to your agent (I am not a realator, or lawyer, but a recent...