<prompt> Human: My wife and I are looking to buy our first home by the end of the year. We currently have separate bank accounts where we have both been saving money specifically for a down payment. There is no particular reason that we havent combined our accounts and our plan is to eventually do that, other than we just havent gotten around to it since our marriage.We want to start the process of talking with lenders in the next few weeks. My question is, does it make sense to combine our accounts now, or will it just cause more headaches in the mortgage process if we have all of these account changes so close to when we would be applying for a mortgage? Would it make more sense for my wife to just transfer all of her home savings into my account so that our downpayment would all be coming from one account?  <response>: It doesnt matter either way as long as you plan to both apply for the mortgage jointly. Lenders will look at your combined joint finances. 