Mortgage Navigator • Conventional • Assets & Reserves
Conventional Assets & Reserves
Money used to close and money counted as reserves are not always treated the same way.
Explore Assets & Reserves
Reserve requirements
What counts as reserves and when extra reserves apply.
Bank accounts & deposits
Checking, savings and source-of-funds issues.
Retirement accounts
Vested 401(k), IRA and other retirement funds.
Business assets
Using company funds without damaging business viability.
Earnest money
When source verification matters.
Multiple financed properties
Additional reserve requirements for investors and second homes.
Cryptocurrency
When conversion/documentation can make digital assets usable.
Gift funds as reserves
Where gifts can count and where gift of equity cannot.
Official guide baseline
Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide
Asset eligibility depends on ownership, accessibility, documentation and how the funds are being used.