<prompt> Human: Hi personal finance!Question about mortgage approvals. My husband and I are looking to buy a house. My husband applied for the mortgage in his name only. I got a personal loan for 5000.00 to cover the down payment FHA loan. Will this large deposit made out to my name only, not his, affect his final mortgage approval?Thank you in advance for your help :  <response>: At some point in the mortgage-writing process you have to attest that no portion of the down payment is borrowed, and it will be game over at that point. What is more, with you borrowing the funds and your husband trying to take out the mortgage alone, the deal has the appearance of you two trying to pull a fast one. That may not be your true intent but its going to be very hard to explain prove that you werent trying to conceal the origin of your down payment. 