Is owning money to buy a sacrificial animal considered the same as someone who has brought a sacrificial animal, in terms of the obligation to remain in the state of ihram until the sacrifice is slaughtered?

If you ask about exiting the state of ihram (tahallul) for the pilgrim performing Umrah as part of Hajj (Mutamatti'), merely possessing money with the intention of buying the sacrificial animal (hady) does not count as "leading" (sawq) it. Such a person is considered to be without a hady, and thus moves to its substitute, which is fasting.

Scholars have differed regarding the Mutamatti' who has led the hady: The Maliki and Shafi'i schools of thought: It is permissible for the Mutamatti' to exit ihram after completing the rituals of Umrah, whether he has led the hady or not. The schools of Abu Hanifa and Ahmad: If the Mutamatti' has led the hady, it is not permissible for him to exit ihram from his Umrah. Rather, he remains in his state of ihram until he enters ihram for Hajj, and then exits ihram from both of them together. They cite the hadith of Hafsa (may Allah be pleased with her), in which she mentioned that the Prophet (peace be upon him) matted his hair, garlanded his sacrificial animals, and did not exit ihram until he slaughtered them.