Comment by FireBeyond

> but you try buying a house and they want proof of the origin of the funds

Fannie Mae's assessment criteria for origin of funds has a time limitation. If that money has been in an account you control, for forty years, "origin of funds" is not a question. I want to say the cut off is something like 36 months, but it may be even less.

Helpfully, all this information is public: https://selling-guide.fanniemae.com/sel/b3-4.3/verification-...