This can be a problem, because borrowed earnest money has to be sourced, and a loan from an agent raises flags. Lenders ask where an earnest money deposit came from. When the answer is a loan from an agent in the transaction, that is an issue unless the agent is a close family member or has a similar qualifying relationship. Whether the arrangement can work at all depends on the loan type, whether the money is being repaid, and exactly how it is structured. Borrowed funds used for a deposit or down payment have to follow specific rules, and an undisclosed loan between parties to the same transaction is exactly the kind of thing that derails an approval late in underwriting. The right move is to put every detail in front of the lenders involved now, on both linked transactions, and let them tell you what is allowed, rather than discovering the issue after the file is deep into processing. Get the answer before anyone relies on the arrangement. Unwinding a deal mid-stream is far harder than structuring it correctly from the start.