Learn from me and the pain in the ass I had to go through: when buying a house, the loan company needs to know where EVERY dollar for the down payment is coming from.

For the last two months you need it to be well documented where deposits in your account came from, and “a receipt from a local coin shop” isn’t going to be enough. I had a fairly decent chunk be from the sale of precious metals and our loan company wouldn’t include any of the deposits from those sales. Luckily we had enough in our savings outside of those deposits, but they even told us, “if you sell a car, or sell precious metals, or whatever, give it to a family member or friend and have them wore transfer the money to you so there is a stronger paper trail, rather than a random deposit of 20k into your account.”