Typically, the additional deposit is 50% of the amount spent above 13%.

WSJ: That'll Be Extra

Holdings, a builder that operates under the Richmond American Homes name, may ask for an additional deposit if a buyer's interior-design upgrades exceed 13% of the base price.

WSJ: That'll Be Extra

Another good hedge in the face of uncertain interest rates would be CDs that allow you to deposit additional funds in the future.

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Some providers offer extra "bonus" interest when additional money is paid into deposit accounts.

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If the FDIC had additional funding they could bolster the Deposit Insurance Fund (DIF) and suspend bank assessments for community banks under a total asset threshold.

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Above 18%, the buyer may have to place a deposit equal to 100% of additional upgrades.

WSJ: That'll Be Extra

When the bank makes an additional loan, the person receiving the loan gets a bank deposit.

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