i have a contract on a home we are still neg, on the price , when is earnest money lost

I’m not sure I understand your question.

Real estate customs vary by region. In some areas, an “offer” is made, with a small deposit on good faith, and then a formal contract is signed with a further deposit. In some areas, this step is condensed into one contract.

The contract generally spells out the exact terms regarding the deposit (the date it is given, the date by which it must be returned and according to what reasons, and the circumstances in which the seller may be entitled to keep it). If you do not understand your contract well, or if you have not formally entered into a contract and you have questions about the process – it is best to consult a local real estate attorney or real estate consumer advocate (try your local housing authority) that can assist you in understanding it. DO NOT sign any contract until you understand it completely.