Editors Note: This article on Delayed Financing has been updated for 2026.

Many homebuyers choose to pay cash to win a competitive offer or simplify the purchase process. But after closing, a common question comes up:

“Now that I own the home outright, how can I access some of that equity?”

That’s where delayed financing comes in.

Delayed financing allows buyers who purchased a home with cash to take out a mortgage shortly after closing — without waiting the typical 12-month seasoning period required for a cash-out refinance.

This strategy can be especially useful for buyers who want liquidity, flexibility, or the ability to reinvest funds after a cash purchase. [Read more…]