Would appreciate feedback or direction on how the amounts held back by the lender on 203k and Renovation loans are disclosed to the borrower. In an FhA 203k or Renovation loan, thousands of dollars are set aside in an account by the lender to complete rehabilitation/renovation after the loan closes. My question is where the amount that is held back would be disclosed on a CD to display accurate cash to close figures. Also would the contingency reserve be disclosed separately than the amount held back for actual rehabilitation/renovations.