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Repair Holdback Calculator
When seller commits to repairs but can't complete by close, buyer holds back funds in escrow. This calculator sizes the holdback and release schedule.
Total holdback
$56,750
Contingency buffer
$11,250
Base repair total
$45,000
How the math works
Repair holdback = repair estimate + contingency + re-inspection. Cover cost + overrun + admin.
Document the scope in writing with contractor identity, completion date, and inspection requirement. Without detail, disputes arise over 'acceptable completion.'
How to Use
- Enter list of outstanding repairs (total).
- Enter contingency %.
- Enter target release date (months).
- Read total holdback.
Frequently Asked Questions
Why holdback vs credit?
Credit at close = price reduction. Holdback = repairs still happen; buyer gets property as-promised. Use credit if trust is low; holdback if seller committed.
Typical contingency?
20-30% over cost estimate. Holdback should cover the cost to complete if seller doesn't. Insufficient holdback = buyer holds the bag for overruns.
Release timing?
When work complete with lien-waived invoices + signed buyer inspection. Set target release 60-120 days post-close. Beyond that, renegotiate or force completion.
How do I benchmark this?
Benchmark against industry data from NCREIF, IREM, Yardi Matrix, CoStar, or RCA. Institutional operators also benchmark internally across their own portfolio to identify operating outliers. A single number means little; the trend and the peer comparison mean everything. Run quarterly benchmarks and note deviations that exceed 10% — those warrant investigation.
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