Surplas of rehab funds from hard money?

[Hoa Nguyen]

Got some numbers from a hard money lender who had me itemize and budget me reno. Playing it safe, I over estimated some cost to get to the allocated budget. Question is, when the time comes and I finish work, what happens if I do so under the rehab budget? What happens to the funds? Do they go back to the loan balance? Can I pay myself as a contractor? Just trying to grasp the process here.