Thank you, that is what I plan to do. I’m sure this happens all the time. Appreciate your help!If it were me, I would put down 1/2 the mortgage on the application, but I dont know what the "correct" answer is for this. The financial institution is going to see the mortgage, and I am sure their algorithms take this kind of thing into account. If I had to guess (and stressing its just a guess), it might end up that you need a larger down payment than you might have intended, and / or higher interest rates, but will likely get approved with those stipulations.