In what different circumstances a buyer can walk out of a closing with cash?

Looking for circumstances other than a property appraised for more than the sale price, (and obviously the buyer qualifing for that loan amount and the seller agreeing to those terms)

In what different circumstances a buyer can walk out of a closing with cash?

There are several techniques a buyer can use to come away from a closing with cash in his/her pockets. Most involve some form of seller financing, though the return of earnest money from a contract gone bad is another, more common method.

In what different circumstances a buyer can walk out of a closing with cash?

he brokered his own loan

The seller paid a set $$ amount towards closing cost and prepaids and it was not all used up in a 100% loan

Real Estate agent and represented themselves as buyers

Just to name a few

In what different circumstances a buyer can walk out of a closing with cash?

Your question makes no sense.

Try a mortgage message board where you can chat back and forth with an experienced loan professional.

In what different circumstances a buyer can walk out of a closing with cash?

at no point where a lender is involved. Cash back on purchases is limited to the borrowers earnest money. If you have negotiated cash back, it will have to be done outside of closing...which is a big no no