Just as important as seasoning funds is the question of where you’ve seasoned them. If you’ve parked your gift funds in a brokerage account … even in cash or cash equivalent … I’d suggest moving them into a savings or checking account well before your expected closing date. Thicker-headed lenders seem to assume that anything in a brokerage account needs to be “liquidated” even if it’s already liquid, and you’ll need to show a bank statement to prove the funds are available for transfer.
