No, you won't lose everything. If you exit the program, a transaction fee of 5% of the original home price applies. Any savings you've accumulated beyond that amount are refunded to you.
For example, if the original home price was $300,000, the transaction fee would be $15,000. If your total accumulated savings (initial deposit + monthly savings) exceed $15,000, you receive the remainder back.
You can cash out within 90 days of moving out — see 'How quickly can I cash out?'
