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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). Since we are 2 months out from closing date, think it is possible the lender wants to see the reserve money now or will wait until it is all there.
It might be possible to use assets to qualify for a mortgage (assuming they are plentifulsufficient), but it might be easier to secure all mortgages before retirement.
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If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
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