What happens if your house isn’t finished when it’s time to switch loans?

I’ve run into that scenario more than once, and you’re right—escrow holdbacks can be a lifesaver if you’re just missing a couple of cosmetic things or waiting on a stubborn appliance delivery. But I wonder, have you ever seen a lender get picky about what qualifies as “minor”? I’ve had one balk at something as simple as missing closet doors. It really seems to depend on the underwriter’s mood that day... Makes me think, is there a better way to standardize what counts as “done enough” for these transitions?