Gainesville FHA Loan Rates, Closing Costs & Stats

GAINESVILLE, GA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Gainesville's 96 lenders originated 713 FHA loans during 2023. The total origination value was $219,525,000, with an average FHA loan value of $307,889.

    Gainesville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Gainesville averaged 6.65% for the week of 2025-02-14, compared to the national average (all FHA variants) of 6.515% for the same period.

    Gainesville's average FHA mortgage closing costs are $8,482.

    The average rate for the prior week (2025-02-07) was 6.56% and one month ago for the week of 2025-01-10, the average rate was 6.42%.

    The average rate one year ago was 6.35%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.64%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Gainesville FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Gainesville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 84 6.11% $14,797
    BROKER SOLUTIONS, INC. 56 6.08% $13,996
    QUICKEN LOANS, LLC 47 6.24% $13,369
    HOMESTAR FINANCIAL CORPORATION 43 6.68% $9,678
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 38 6.78% $14,057
    First Option Mortgage, LLC 35 6.58% $14,642
    Ameris Bank 35 5.98% $13,821
    VANDERBILT MORTGAGE AND FINANCE, INC. 21 5.89% $17,945
    LOANDEPOT.COM, LLC 18 6.02% $13,823
    FREEDOM MORTGAGE CORPORATION 17 6.57% $18,142
    EVERETT FINANCIAL, INC. 16 7.09% $15,176
    CROSSCOUNTRY MORTGAGE, LLC 14 6.54% $15,914
    MOVEMENT MORTGAGE, LLC 13 6.80% $13,678
    HOMEOWNERS FINANCIAL GROUP USA, LLC 12 6.73% $11,850
    Paramount Residential Mortgage Group, Inc. 10 6.34% $16,331
    STOCKTON MORTGAGE CORPORATION 10 6.96% $12,505
    PENNYMAC LOAN SERVICES, LLC 9 6.31% $13,144
    US MORTGAGE CORPORATION 8 6.83% $16,434
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 7 6.39% $17,042
    BANKSOUTH MORTGAGE COMPANY, LLC 6 6.81% $13,111
    AMERISAVE MORTGAGE CORPORATION 6 5.79% $17,124
    NEWREZ LLC 6 6.46% $13,424
    Mr. Cooper ( Nationstar Mortgage ) 6 6.29% $16,064
    Regions Bank 6 6.85% $9,245
    RELIANCE FIRST CAPITAL, LLC 5 7.10% $10,504
    INSPIRE HOME LOANS INC. 5 5.95% $10,790
    Equity Prime Mortgage LLC 5 7.30% $13,775
    Capital City Home Loans, LLC 4 6.56% $12,823
    ACADEMY MORTGAGE CORPORATION 4 6.63% $18,045
    Plains Commerce Bank 4 6.50% $14,259
    Carrington Mortgage Services, LLC 4 6.34% $19,030
    ACOPIA, LLC 4 7.25% $14,402
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 7.16% $15,798
    AMERICAN FINANCIAL NETWORK, INC. 4 6.75% $14,222
    GUARANTEED RATE, INC. 4 6.15% $12,048
    ZILLOW HOME LOANS, LLC 3 6.25% $14,572
    CARDINAL FINANCIAL 3 6.75% $15,916
    FIRST COMMUNITY MORTGAGE, INC. 3 6.88% $16,919
    First Federal Bank 3 6.71% $7,506
    Franklin Loan Corporation 3 6.29% $15,171
    GUARANTEED RATE AFFINITY, LLC 3 6.92% $15,758
    Loan Simple, Inc. 3 6.21% $14,393
    MILEND, INC. 3 6.71% $16,476
    MORTGAGE INVESTORS GROUP, INC. 3 6.71% $10,410
    Prosperity Home Mortgage, LLC 3 6.50% $10,466
    United Community Bank 3 6.96% $9,163
    VILLAGE CAPITAL MORTGAGE 3 6.00% $11,427
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.94% $16,651
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.88% $11,910
    AMERICAN FINANCING CORPORATION 2 5.94% $10,129
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.13% $17,364
    Mortgage Research Center, LLC 2 7.12% $7,992
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.00% $14,055
    LAKEVIEW LOAN SERVICING, LLC 2 6.50% $12,090
    NFM, INC. 2 7.19% $12,400
    CMG MORTGAGE, INC. 2 6.50% $16,399
    PLAZA HOME MORTGAGE, INC. 2 6.94% $9,341
    Century Mortgage Company DBA Century Lending Company 2 5.81% $10,429
    Renasant Bank 2 7.25% $13,784
    SECURITYNATIONAL MORTGAGE COMPANY 2 7.06% $13,439
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 5.75% $17,564
    Synovus Bank 2 6.25% $13,509
    T2 FINANCIAL LLC 2 6.31% $9,993
    THE MORTGAGE FIRM, INC. 2 6.81% $15,573
    HOMESIDE FINANCIAL, LLC 2 6.00% $23,071
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.75% $9,573
    Keystone Funding, Inc. 2 6.75% $20,170
    Lakeview Community Capital, LLC 2 6.75% $12,856
    VERITAS FUNDING, LLC 1 6.13% $25,579
    Citizens Bank 1 6.50% $8,044
    TOWNE MORTGAGE COMPANY 1 7.13% $9,772
    CANOPY MORTGAGE, LLC 1 6.99% $14,687
    Trustmark National Bank 1 7.13% $9,750
    ROYAL UNITED MORTGAGE LLC 1 6.63% $16,724
    UNION HOME MORTGAGE CORP. 1 6.13% $10,501
    SHELTER HOME MORTGAGE, LLC 1 5.75% $13,937
    LEADERONE FINANCIAL CORPORATION 1 7.63% $14,846
    First Savings Bank 1 6.75% $20,590
    BECKAM FUNDING CORP. 1 6.75% $18,353
    Advisors Mortgage Group, L.L.C. 1 6.25% $14,757
    Mortgage Assurance Inc. 1 6.25% $12,850
    South State Bank 1 6.25% $12,149
    BAY EQUITY LLC 1 6.13% $16,038
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.75% $14,223
    Fifth Third Bank 1 6.13% $7,807
    SWBC MORTGAGE CORPORATION 1 5.25% $16,572
    Nations Lending Corporation 1 7.13% $12,661
    United Fidelity Funding Corp. 1 7.25% $18,136
    NBKC BANK 1 4.75% $20,255
    FBC MORTGAGE, LLC 1 5.63% $17,166
    GUILD MORTGAGE COMPANY 1 6.50% $10,210
    PANORAMA MORTGAGE GROUP, LLC 1 7.25% $16,798
    Evolve Bank & Trust 1 7.25% $5,301
    DIRECT LENDERS, LLC 1 6.75% $6,806
    ISERVE RESIDENTIAL LENDING, LLC 1 7.13% $16,529
    TOP FLITE FINANCIAL, INC. 1 6.75% $10,890

    The top Gainesville FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 84 FHA loans originated. Their average total fees are $14,797, which is $801 higher than the next largest lender, BROKER SOLUTIONS, INC..

    The lowest fee Gainesville FHA lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION ($9,678), HOMEOWNERS FINANCIAL GROUP USA, LLC ($11,850), STOCKTON MORTGAGE CORPORATION ($12,505), QUICKEN LOANS, LLC ($13,369) and MOVEMENT MORTGAGE, LLC ($13,678).

    The lowest rate Gainesville FHA lenders (with over 10 loans originated) are VANDERBILT MORTGAGE AND FINANCE, INC. (5.89%), Ameris Bank (5.98%), LOANDEPOT.COM, LLC (6.02%), BROKER SOLUTIONS, INC. (6.08%) and UNITED WHOLESALE MORTGAGE, LLC (6.11%).

    Gainesville FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    GAINESVILLE, GA HALL 2022 $420,680 $538,650 $651,050 $809,150
    GAINESVILLE, GA HALL 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Gainesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $317,450 (5.8%) $428,548 (0.9%) 1.18 840
    2018-02-01 $322,225 (4.0%) $429,091 (-0.6%) 1.18 881
    2018-03-01 $333,111 (4.4%) $435,876 (1.7%) 1.18 906
    2018-04-01 $349,900 (7.7%) $468,659 (8.9%) 1.19 1,006
    2018-05-01 $349,900 (6.4%) $447,745 (3.1%) 1.17 1,058
    2018-06-01 $351,717 (6.6%) $461,541 (9.0%) 1.18 1,060
    2018-07-01 $352,746 (8.5%) $454,052 (7.7%) 1.18 1,065
    2018-08-01 $355,450 (9.4%) $457,614 (8.1%) 1.19 1,058
    2018-09-01 $352,025 (8.3%) $452,336 (7.4%) 1.18 1,069
    2018-10-01 $339,900 (4.5%) $438,615 (4.2%) 1.15 1,218
    2018-11-01 $339,950 (7.1%) $441,191 (5.8%) 1.15 1,172
    2018-12-01 $337,900 (9.5%) $432,049 (3.4%) 1.17 1,160
    2019-01-01 $338,450 (6.6%) $443,034 (3.4%) 1.17 1,084
    2019-02-01 $347,953 (8.0%) $471,391 (9.9%) 1.17 1,055
    2019-03-01 $328,471 (-1.4%) $442,117 (1.4%) 1.07 1,206
    2019-04-01 $299,900 (-14.3%) $390,673 (-16.6%) 0.95 1,471
    2019-05-01 $299,900 (-14.3%) $393,158 (-12.2%) 0.94 1,512
    2019-06-01 $289,700 (-17.6%) $394,889 (-14.4%) 0.91 1,544
    2019-07-01 $286,722 (-18.7%) $395,220 (-13.0%) 0.90 1,559
    2019-08-01 $285,267 (-19.7%) $387,951 (-15.2%) 0.90 1,542
    2019-09-01 $285,668 (-18.9%) $379,542 (-16.1%) 0.92 1,481
    2019-10-01 $304,855 (-10.3%) $406,372 (-7.4%) 0.99 1,225
    2019-11-01 $322,980 (-5.0%) $438,742 (-0.6%) 1.06 1,010
    2019-12-01 $321,265 (-4.9%) $440,222 (1.9%) 1.07 969
    2020-01-01 $318,243 (-6.0%) $447,270 (1.0%) 1.06 902
    2020-02-01 $324,000 (-6.9%) $458,702 (-2.7%) 1.05 881
    2020-03-01 $341,401 (3.9%) $470,286 (6.4%) 1.07 939
    2020-04-01 $342,992 (14.4%) $473,103 (21.1%) 1.07 975
    2020-05-01 $350,000 (16.7%) $487,135 (23.9%) 1.06 916
    2020-06-01 $353,048 (21.9%) $492,891 (24.8%) 1.04 794
    2020-07-01 $352,450 (22.9%) $499,084 (26.3%) 1.02 746
    2020-08-01 $365,000 (28.0%) $512,720 (32.2%) 1.05 660
    2020-09-01 $369,550 (29.4%) $540,678 (42.5%) 1.07 589
    2020-10-01 $362,500 (18.9%) $521,444 (28.3%) 1.04 570
    2020-11-01 $363,500 (12.6%) $540,629 (23.2%) 1.06 508
    2020-12-01 $363,100 (13.0%) $549,093 (24.7%) 1.06 457
    2021-01-01 $369,900 (16.2%) $572,317 (28.0%) 1.09 372
    2021-02-01 $398,843 (23.1%) $611,483 (33.3%) 1.16 281
    2021-03-01 $385,283 (12.9%) $616,486 (31.1%) 1.09 282
    2021-04-01 $409,450 (19.4%) $671,321 (41.9%) 1.12 267
    2021-05-01 $444,875 (27.1%) $671,413 (37.8%) 1.17 277
    2021-06-01 $420,752 (19.2%) $693,245 (40.7%) 1.11 319
    2021-07-01 $420,000 (19.2%) $708,695 (42.0%) 1.11 397
    2021-08-01 $418,000 (14.5%) $659,716 (28.7%) 1.11 428
    2021-09-01 $426,000 (15.3%) $626,143 (15.8%) 1.14 413
    2021-10-01 $449,899 (24.1%) $628,286 (20.5%) 1.20 405
    2021-11-01 $469,365 (29.1%) $637,495 (17.9%) 1.25 401
    2021-12-01 $461,750 (27.2%) $644,989 (17.5%) 1.25 354
    2022-01-01 $459,396 (24.2%) $631,894 (10.4%) 1.24 292
    2022-02-01 $459,950 (15.3%) $614,619 (0.5%) 1.20 303
    2022-03-01 $487,267 (26.5%) $621,024 (0.7%) 1.22 315
    2022-04-01 $496,225 (21.2%) $664,164 (-1.1%) 1.19 336
    2022-05-01 $498,190 (12.0%) $657,382 (-2.1%) 1.14 412
    2022-06-01 $514,150 (22.2%) $667,907 (-3.7%) 1.15 501
    2022-07-01 $501,915 (19.5%) $653,013 (-7.9%) 1.13 606
    2022-08-01 $499,450 (19.5%) $616,679 (-6.5%) 1.15 658
    2022-09-01 $493,609 (15.9%) $606,442 (-3.2%) 1.15 684
    2022-10-01 $484,995 (7.8%) $586,163 (-6.7%) 1.14 686
    2022-11-01 $476,645 (1.6%) $566,613 (-11.1%) 1.15 672
    2022-12-01 $479,000 (3.7%) $576,277 (-10.7%) 1.18 605
    2023-01-01 $478,320 (4.1%) $576,744 (-8.7%) 1.19 529
    2023-02-01 $477,000 (3.7%) $591,366 (-3.8%) 1.15 493
    2023-03-01 $470,000 (-3.5%) $596,407 (-4.0%) 1.12 493
    2023-04-01 $494,288 (-0.4%) $668,411 (0.6%) 1.15 435
    2023-05-01 $496,104 (-0.4%) $694,883 (5.7%) 1.13 438
    2023-06-01 $496,430 (-3.5%) $690,876 (3.4%) 1.12 492
    2023-07-01 $495,250 (-1.3%) $671,540 (2.8%) 1.13 494
    2023-08-01 $480,445 (-3.8%) $674,980 (9.5%) 1.11 534
    2023-09-01 $475,900 (-3.6%) $660,590 (8.9%) 1.12 522
    2023-10-01 $483,870 (-0.2%) $636,923 (8.7%) 1.15 538
    2023-11-01 $486,814 (2.1%) $646,791 (14.2%) 1.16 582
    2023-12-01 $494,605 (3.3%) $664,747 (15.4%) 1.21 575
    2024-01-01 $510,733 (6.8%) $673,792 (16.8%) 1.25 524
    2024-02-01 $522,445 (9.5%) $698,090 (18.1%) 1.26 516
    2024-03-01 $539,900 (14.9%) $711,198 (19.3%) 1.27 520
    2024-04-01 $548,425 (11.0%) $717,019 (7.3%) 1.27 545
    2024-05-01 $544,456 (9.8%) $738,120 (6.2%) 1.24 609
    2024-06-01 $544,900 (9.8%) $732,514 (6.0%) 1.23 659
    2024-07-01 $543,300 (9.7%) $739,207 (10.1%) 1.24 730
    2024-08-01 $520,000 (8.2%) $719,982 (6.7%) 1.20 778
    2024-09-01 $502,500 (5.6%) $711,393 (7.7%) 1.18 790
    2024-10-01 $494,500 (2.2%) $698,675 (9.7%) 1.16 833
    2024-11-01 $488,450 (0.3%) $691,833 (7.0%) 1.17 846
    2024-12-01 $484,629 (-2.0%) $698,411 (5.1%) 1.20 807
    2025-01-01 $491,293 (-3.8%) $697,517 (3.5%) 0.00 772
    Gainesville's median listing price for 2025-01-01 was $491,293, a difference of $-19,440 (-3.8%) versus the prior year and $6,664 versus the prior month.

    Gainesville's median listing price comes in at 0% of the national average.

    Gainesville's average listing price for 2025-01-01 was $697,517, a difference of $23,725 (3.5%) versus the prior year and $-894 versus the prior month.

    For the 2025-01-01 period, Gainesville had 772 MLS listings, a difference of -35 listings (-4%) versus the prior month and 248 listings (47%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Gainesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 80 days 2,590 sqft
    2018-02-01 78 days 2,645 sqft
    2018-03-01 60 days 2,651 sqft
    2018-04-01 60 days 2,670 sqft
    2018-05-01 59 days 2,690 sqft
    2018-06-01 71 days 2,767 sqft
    2018-07-01 77 days 2,747 sqft
    2018-08-01 78 days 2,790 sqft
    2018-09-01 72 days 2,790 sqft
    2018-10-01 75 days 2,676 sqft
    2018-11-01 79 days 2,659 sqft
    2018-12-01 86 days 2,637 sqft
    2019-01-01 86 days 2,648 sqft
    2019-02-01 79 days 2,693 sqft
    2019-03-01 76 days 2,765 sqft
    2019-04-01 72 days 2,773 sqft
    2019-05-01 64 days 2,782 sqft
    2019-06-01 65 days 2,700 sqft
    2019-07-01 74 days 2,730 sqft
    2019-08-01 78 days 2,749 sqft
    2019-09-01 80 days 2,720 sqft
    2019-10-01 78 days 2,652 sqft
    2019-11-01 78 days 2,600 sqft
    2019-12-01 80 days 2,600 sqft
    2020-01-01 77 days 2,572 sqft
    2020-02-01 68 days 2,577 sqft
    2020-03-01 56 days 2,694 sqft
    2020-04-01 59 days 2,685 sqft
    2020-05-01 74 days 2,684 sqft
    2020-06-01 81 days 2,769 sqft
    2020-07-01 67 days 2,744 sqft
    2020-08-01 60 days 2,769 sqft
    2020-09-01 59 days 2,789 sqft
    2020-10-01 52 days 2,733 sqft
    2020-11-01 55 days 2,667 sqft
    2020-12-01 66 days 2,695 sqft
    2021-01-01 67 days 2,726 sqft
    2021-02-01 43 days 2,729 sqft
    2021-03-01 38 days 2,568 sqft
    2021-04-01 41 days 2,815 sqft
    2021-05-01 33 days 2,827 sqft
    2021-06-01 33 days 2,629 sqft
    2021-07-01 31 days 2,707 sqft
    2021-08-01 42 days 2,618 sqft
    2021-09-01 48 days 2,626 sqft
    2021-10-01 53 days 2,680 sqft
    2021-11-01 51 days 2,701 sqft
    2021-12-01 58 days 2,569 sqft
    2022-01-01 60 days 2,500 sqft
    2022-02-01 33 days 2,449 sqft
    2022-03-01 36 days 2,519 sqft
    2022-04-01 34 days 2,604 sqft
    2022-05-01 31 days 2,541 sqft
    2022-06-01 30 days 2,653 sqft
    2022-07-01 35 days 2,584 sqft
    2022-08-01 47 days 2,537 sqft
    2022-09-01 51 days 2,493 sqft
    2022-10-01 54 days 2,491 sqft
    2022-11-01 65 days 2,496 sqft
    2022-12-01 77 days 2,517 sqft
    2023-01-01 87 days 2,549 sqft
    2023-02-01 58 days 2,476 sqft
    2023-03-01 44 days 2,433 sqft
    2023-04-01 42 days 2,499 sqft
    2023-05-01 39 days 2,532 sqft
    2023-06-01 37 days 2,528 sqft
    2023-07-01 44 days 2,537 sqft
    2023-08-01 47 days 2,515 sqft
    2023-09-01 49 days 2,470 sqft
    2023-10-01 47 days 2,500 sqft
    2023-11-01 51 days 2,495 sqft
    2023-12-01 58 days 2,470 sqft
    2024-01-01 60 days 2,554 sqft
    2024-02-01 47 days 2,573 sqft
    2024-03-01 45 days 2,627 sqft
    2024-04-01 44 days 2,638 sqft
    2024-05-01 37 days 2,654 sqft
    2024-06-01 42 days 2,621 sqft
    2024-07-01 44 days 2,611 sqft
    2024-08-01 49 days 2,546 sqft
    2024-09-01 54 days 2,510 sqft
    2024-10-01 52 days 2,458 sqft
    2024-11-01 54 days 2,438 sqft
    2024-12-01 65 days 2,416 sqft
    2025-01-01 0 days 2,426 sqft
    Gainesville's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Gainesville's median square footage for active listings during the 2025-01-01 period was 2,426 sqft. One year prior, the average listing was 2,554 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).