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Its not always mentioned up front either. So buyers need to be proactive and ask about these requirements when applying for a loan. Heres an example of cash reserves in action: Im getting a mortgage loan for 350,000. My monthly payments come out to 2,242. If a lender has a two-month cash-reserve requirement, I must have an additional 4,484 in the bank before closing. This is on top of whatever down payment and closing costs I have to pay.