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I make 86,000 a year husband 77,610. We have 20 down plus 7,000 closing costs in our joint checking but this will deplete our savings MM. Husband has 203,000 in 401K, I have 89,000. Mortgage lender wants to only use my husband on the loan but I will be on the title. Can his 401K be used as assets without without actually withdrawing and depositing into our joint account. Also, I have a separate checking account for my personal spending money.
Since I will not be on the loan, can I take a loan from my 401K to deposit into my checking account to use for expenses such bdo cash advance computation to pay the insurance in full on the new home for the full year. We are not escrowing the taxes or insurance.