I would suggest that you speak to a mortgage professional. Many lenders require that your closing costs or down payment be (seasoned) in the account for three months or longer.
I regard to a Coop purchase, many times they have restrictions and down payment requirements. Some require 20% or a 30% down payment and mortgage reserves. They are all not the same they have different requirements and restrictions.
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Arlene Trunzo, CRS,GRI,SRES / Broker Owner
(BCREP) Board certified
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