How to Protect EMD in this Hypothetical

[Manuel A.]

Is it possible to protect my EMD in this scenario:

Say I put in an offer for house x and it was accepted along with my EMD. (May be wrong on how that works as I haven't done so yet, but I'm assuming this is how it goes)

Okay, now say (although I do have HML's lined up) I can't find a HML to fund the deal and the contract expires. Does this mean since the deal didn't go through because of me that my EMD will be non-refundable? I'm planning on putting in a good EMD to show I'm serious, but also if I lose it, there goes a good amount of my own money and then I'll have to build it up again which may take awhile so I would rather get this right the first time...

Please share your great experience/ideas. Thank you all!