Yes. Lottery and gambling winnings are a valid down payment source once the money is in the bank and documented. The lender's real concern is confirming the cash is genuinely yours and carries no hidden repayment obligation, meaning you did not borrow it somewhere and quietly owe it back. Practically, underwriting works off your most recent two months of bank statements. Funds already sitting in the account at the start of that window generally read as your existing assets and draw no questions. A recent or unusually large deposit gets sourced regardless of timing, so keep the payout record or statement from the win and the underwriter's question answers itself. No special barrier here. Get the funds into your account, keep the paperwork, and the money behaves like any other savings when it is time to close. And if the win is big enough, you may not need much of a loan at all.