So I have a quick question. We put a offer on a house and have to wait for sep 1st to get approved... due to being able to use bonuses and overtime. Our mortgage lady told us that the lender may like to see 3 months of mortgage payments and our up front fees. The seller agreed to our offer and to pay our closing costs. Up front fees which are 4 months of insurance, 6 months of taxes... etc and mortgage payments would be roughly around 5700.00 Thing is I know we will have 4900.00 in our checking account... My question is my husband has a 401 with around 22k in it... our invested is a little over 10k. Can they look at this too and see we have that to fall back on if need be. Of course we don't plan on it. But we are ready to move and if we are 800.00 under will the not approve us?

Thanks