{"id":12547,"date":"2010-03-28T12:21:33","date_gmt":"2010-03-28T18:21:33","guid":{"rendered":"http:\/\/template.lenderama.com\/?p=701"},"modified":"2010-03-28T12:21:33","modified_gmt":"2010-03-28T18:21:33","slug":"making-sure-your-cash-to-close-comes-from-the-proper-source","status":"publish","type":"post","link":"https:\/\/dev203k.orbitwebx.com\/dev203k\/making-sure-your-cash-to-close-comes-from-the-proper-source\/","title":{"rendered":"Making Sure Your Cash-To-Close Comes From The Proper Source"},"content":{"rendered":"<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-21039\" title=\"proper source of funds for closing\" src=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000003861211_ExtraSmall.jpg\" alt=\"\" width=\"426\" height=\"282\" srcset=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000003861211_ExtraSmall.jpg 426w, https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000003861211_ExtraSmall-300x199.jpg 300w\" sizes=\"auto, (max-width: 426px) 100vw, 426px\" \/><\/p>\n<p>Making sure your cash-to-close comes from the proper source is an important part of the home buying process.<\/p>\n<p>Providing proper asset documentation and the <a title=\"proper closing\" href=\"http:\/\/www.zillow.com\/wikipages\/When-Buyer-Closing-Goes-Wrong\/\" target=\"_blank\" rel=\"noopener\">actual source of the funds <\/a>is a critical element of the <a href=\"\/mortgage-101\/closing-process\/\">loan closing process<\/a>.<\/p>\n<p>There&#8217;s nothing worse in a real estate purchase than making it all the way through the hoops and hurdles just to have a loan denied after the final documents have been signed due to the borrower using the wrong checking account for the down payment.<\/p>\n<p>Seasoning of the down payment money is just as important as the source, which is why underwriters typically require at least two months bank \/ asset statements in the initial <a href=\"\/mortgage-101\/mortgage-approval-process\/\">mortgage approval process<\/a>.<\/p>\n<h2>A Few Acceptable Sources Of Down Payment Include:<\/h2>\n<ul>\n<li>Bank Accounts &#8211; checking \/ savings<\/li>\n<li>Investment Accounts &#8211; money market, mutual funds<\/li>\n<li>Retirement Funds &#8211; keep in mind that borrowing against a 401K plan will require a repayment, which will be calculated in the <a href=\"\/whats-my-debt-to-income-dti-ratio\/\">Debt-to-Income Ratio<\/a><\/li>\n<li>Life Insurance &#8211; Cash value and face amount<\/li>\n<li>Gifts &#8211; Family members can gift down payment funds with certain restrictions<\/li>\n<li>Inheritance \/ Trust Funds<\/li>\n<li>Government Grants &#8211; Many state, county and city agencies offer special down payment assistance programs<\/li>\n<\/ul>\n<p>It is extremely important is to make sure your loan officer is aware of the <a title=\"FHA source of down payment\" href=\"http:\/\/www.google.com\/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;frm=1&amp;source=web&amp;cd=3&amp;ved=0CD4QFjAC&amp;url=http%3A%2F%2Fportal.hud.gov%2Fhudportal%2Fdocuments%2Fhuddoc%3Fid%3D4155-1_5_secB.pdf&amp;ei=-r8fUorXKpPTsATzoYCQCA&amp;usg=AFQjCNFhlC4ZvhQH0CyV2bMBcrZMSEMlgw&amp;sig2=gCsccj41B8bpbruDc90OFg\" target=\"_blank\" rel=\"noopener\">exact source of your down payment <\/a>as early in the process as possible so that all necessary questions, documentation and explanations can be reviewed \/ approved by an underwriter.<\/p>\n<p>A good rule-of-thumb to remember is that whatever funds you&#8217;re using as a down payment have to be pre-approved by an underwriter at the beginning of the <a href=\"\/mortgage-101\/mortgage-approval-process\/\">mortgage approval process<\/a>.<\/p>\n<p>Basically, if you accidentally forget to deposit money in your checking account on the way to the closing appointment, it is not acceptable to get a cashier&#8217;s check from a friend&#8217;s account until you have a chance to pay them back later.<\/p>\n<p style=\"text-align: center;\">&#8230;&#8230;<\/p>\n<h2>Frequently Asked Questions:<\/h2>\n<p><strong>Q:\u00a0 What if I don&#8217;t have a bank account and cannot properly source my funds to close? <\/strong><\/p>\n<p style=\"padding-left: 30px;\">Cash on hand is an acceptable source of funds for some loan programs, but make sure you bring that detail up at the application stage<\/p>\n<p><strong>Q:\u00a0 Can I use a bonus from my employer for my down payment?<\/strong><\/p>\n<p style=\"padding-left: 30px;\">Yes, but generally this needs to be a bonus you regularly receive<\/p>\n<p><strong>Q:\u00a0 Can I borrow the money from a friend?<\/strong><\/p>\n<p style=\"padding-left: 30px;\">No, any money that needs to be repaid is typically an unacceptable source of funds<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #c0c0c0;\">_________________________________<\/span><\/p>\n<h2>Related Articles &#8211; Closing Process \/ Costs<\/h2>\n<ul>\n<li><strong><a href=\"\/mortgage-101\/closing-process\/\">Closing Process &#8211; Overview<\/a><\/strong><\/li>\n<li><strong><a href=\"\/mortgage-101\/mortgage-closing-costs\/\">Closing Costs &#8211; Overview<\/a><\/strong><\/li>\n<li><strong><a href=\"\/know-the-mortgage-lingo-at-closing\/\">Talk the Talk \u2013 Know the Mortgage Lingo at Closing<\/a><\/strong><\/li>\n<li><strong><a href=\"\/where-does-my-earnest-money-go\/\">Where Does My Earnest Money Go?<\/a><\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[114,115],"class_list":["post-12547","post","type-post","status-publish","format-standard","hentry","category-mortgage","tag-down-payment","tag-source-of-funds"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Making Sure Your Cash-To-Close Comes From The Proper Source<\/title>\n<meta name=\"description\" content=\"Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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