Selling Guide

Published June 3, 2020

The Selling Guide is organized into parts that reflect how lenders generally categorize various aspects of their business relationship with Fannie Mae. To begin browsing, select from any of the sections below. You may also download the entire Selling Guide in PDF format.

View All Selling Policy Updates

Download PDF

Hint: Ask in a form of a question.

For best results, pose your search like a question.

B3-4.2-04, Pooled Savings (Community Savings Funds) (04/01/2009)


This topic contains information on pooled savings (community savings funds).

Pooled Savings (Community Savings Funds)

Funds from a community savings account or any other type of pooled savings may be used for the down payment if the borrower can document regular contributions to the fund.

Acceptable documentation includes written confirmation from the party managing the pooled savings fund and documentation of regular borrower contributions.

The borrower’s obligation to continue making contributions to the fund must be considered as part of the borrower’s debt when calculating the total debt-to-income ratio.

Have You Tried Ask Poli?

Poli knows. Just ask.

Ask Poli features exclusive Q&As and
more—plus official Selling & Servicing

Try Ask Poli

Related Articles

B3-4.2-01, Verification of Deposits and Assets (04/25/2017)

IntroductionThis topic contains information on verifying deposits and assets, including: Verification of Deposits and Assets  Blanket Authorization...

Read more

B3-4.2-02, Depository Accounts (12/06/2016)

IntroductionThis topic contains information on depository accounts, including: Depository Accounts  Business Assets  Evaluating Large...

Read more

B3-4.2-03, Individual Development Accounts (02/06/2019)

IntroductionThis topic contains information on individual development accounts, including: Individual Development Accounts  Use of IDA Funds to Meet...

Read more

Have guide questions? Get answers to all of your policy questions, straight from the source.

Get Started
Having Issues with Seeing this Page Correctly?

Use Firefox or Chrome   How to do a hard refresh in Internet Explorer
We recommend that you use the latest version of FireFox or Chrome.

Download Firefox
Download Chrome
  A hard refresh will clear the browsers cache for a specific page and force the most recent version of a page.
    Hold the Ctrl key and press the F5 key.

Email Us
If you still have Technical Support questions, feel free to