Possibly, and we are no fans of that move when it is a tactic, but find out the reason before you assume bad faith. Sometimes a loan type changes after acceptance for a legitimate reason. Sometimes the buyer dressed up the offer to win. Asking is how you find out which one you have. As the listing agent, you have standing here: - Ask what changed, and whether the property is even FHA-approved, since not every home qualifies. - Remember the seller is not obligated to accept a change in loan type mid-contract. If the switch genuinely weakens the deal or you were relying on the original terms, you can push back, and depending on your contract you may be able to issue a Notice to Perform. On the honesty point, our rule with buyers is to write offers straight. We have had a buyer ask whether they should show 20 percent down on paper and drop to 10 percent after acceptance to look stronger. The answer was no: write the offer with the down payment you actually intend to use. A deal built on a misrepresented offer creates exactly the kind of friction you are dealing with now, which is why writing it accurately the first time serves everyone better.