Hud does not have the earnest money, the broker ( has to be a broker) holds the earnest money.
1. talk to the broker ( not agent) directly, be sure it was placed in the proper account.
2. ask to see in the offer payment work, where you put down, you have to add it to the offer, that you have the right to resend offer if the inspection does not meet requirements.
3. then after HUD accepts the offer, if your inspection fails, you can cancel, if you did not put that term in your offer, you don't have that right. You have to fill in all of your rights, the statement that they get to keep it will not be there, but you are bound to the contract, unless you put terms like home condition or ability to get loan and so on in it
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