Real ChatGPT answer · index seedyhbHD2iNPPgcompleteReal estate · buying a homeinformational

How much earnest money do I actually need to include when making an offer on a house in today's housing market as a buyer with student loans?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How much earnest money do I actually need to include when making an offer on a house in today's housing market as a buyer with student loans?
2 real searches · 1 real-search pass
earnest money deposit typical amount 1% 3% home purchase buyer contingencies United States 2026Google ↗
OBSERVED
Fannie Mae student loan debt monthly payment debt-to-income mortgage underwriting student loans officialGoogle ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
earnest money deposit typical amount 1% 3% home purchase buyer contingencies United States 2026 Google ↗
Fannie Mae student loan debt monthly payment debt-to-income mortgage underwriting student loans official Google ↗
  1. Monthly Debt Obligations · selling-guide.fanniemae.com
  2. Debt-to-Income Ratios · guide-selling.fanniemae.com
  3. Consumer Guide: Escrow and Earnest Money · nar.realtor
  4. What is earnest money, and how much do you need? · wellsfargo.com
  5. What Is Earnest Money and How Does It Work? · myhome.freddiemac.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
earnest money deposit typical amount 1% 3% home purchase buyer contingencies United States 2026
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Fannie Mae student loan debt monthly payment debt-to-income mortgage underwriting student loans official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1