We put 3% down on purchasing a new home. At the last minute (after the contingencies were removed) our loan officer sent us the final amount due at closing which was much higher that the good faith estimate. We decided to back out at that time. The sellers want to keep the down payment for damages. Do we have any legal ground to get the money back?

What is the exact terms of the contract, if the loan was approved, that is normally the conditional terms, was there any conditions put on any of the terms of the loan.

Also why was the amount needed higher, what was higher,