Lenders say "sourced or seasoned," and the or matters: money needs a paper trail or time in your account, and either one works. The mechanics: for most programs, the lender reviews your two most recent months of bank statements (sometimes just one). Funds already sitting in the account at the start of that window generally don't get questioned. There's no bright-line rule that money must sit for 60 or 90 days before it counts as yours; the two-month statement review is a documentation practice, and specifics vary by program. What draws scrutiny is a large or unusual deposit, because it could be undisclosed borrowed money that changes your qualifying picture. Large deposits have to be sourced, meaning documented, whenever they show up. That's also why sourced money never needs to sit. A gift from a parent or an inheritance can arrive close to closing as long as the paper trail is clean: a gift letter, transfer confirmations, disbursement records. So if legitimate funds are landing right before your purchase, don't panic. Keep the records and be ready to hand them over. Sourced money spends just as well as seasoned money at the closing table.