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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.