yep. It took a couple months to assemble the funds for the down payment on my house. You also need to figure in that a lot of lenders will look unfavorably on y

yep. It took a couple months to assemble the funds for the down payment on my house. You also need to figure in that a lot of lenders will look unfavorably on you if the down payment money was just recently deposited into your account. They'll want to know where it came from. So it would not be unheard of for a person to have $150K in their checking for a few months as they house shop and seek a loan. And while mine wasn't anywhere near $1.5M, I did notice a slight glimmer in the eye of the teller that brought up my account balance. Before we could even begin the transaction I came in to do, she asked me if I'd thought about switching to a different account type because of that balance. I had to cut her off and tell her that today's transaction would be a large cashiers check because I had just bought a house. :)