I have a client who is wanting to purchase a house. He has a good job and his DTI will be fine. The thing is that he has no money for a down payment or closing costs or any assets in the bank. Fortunately, however, he has a relative who is willing to pay the closing costs and down payment up to 20%, which is wonderful, but to qualify him as full doc don't I need him to have some seasoned assets. Do the lenders care about seasoned assets in this situation. Please advise. My refinance skills are better than my purchase skills. It's a conforming loan. Thanks in advance.