# Usable funds map

**Mortgage Dorks Season 1**
**Course:** Deal Desk
**Lesson:** Assets: Money Is Not Always Usable Money
**Format:** Worksheet

## Use This For

Show why bank balance, cash to close, and usable/reserve funds are different conversations.

## Artifact Contents

- Funds source.
- Owner and account type.
- Sourcing or seasoning issue.
- Cash-to-close use.
- Reserve use and remaining proof.

## How To Use It

- Map a synthetic borrower’s funds into usable now, usable with docs, and not usable on current path.

## Guardrail

Use synthetic or anonymized facts only. Remove names, exact property addresses, phone/email, SSN/DOB, loan numbers, account numbers, NMLS/customer IDs, unique employer or business names, screenshots, credit reports, AUS findings, tax docs, bank docs, and any combination of facts that could identify a borrower or customer. Education and workflow support only. Not underwriting approval, legal advice, tax advice, financial advice, a rate quote, or a promise of eligibility. Follow employer, investor, agency, state, and federal requirements.