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The source of that cash may also be scrutinized. We are in the process of starting the final loan approval as we are 2 12 months out from closing (new construction). We have a FHA loan with 3. 5 down and has already placed the down payment and earnest money into escrow. We have the income to cover the new mortgage payment; however, during the time of construction we were planning to save the remaining cash to close amount. We are exactly 3 weeks from obtaining the cash (5K).