source:
  type: regulation
  id: fnma-sel-b3-4.2-04
  authority: Fannie Mae Single Family Selling Guide B3-4.2-04, Pooled Savings (Community Savings Funds) (04/01/2009)
  description: "Fannie Mae Single Family Selling Guide topic B3-4.2-04 (Pooled Savings (Community Savings Funds)).\
    \ Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fnma-sel-b3-4.2-04-0
  canonical_id: fnma-sel-b3-4.2-04-0
  section: Fannie Mae Single Family Selling Guide B3-4.2-04
  description: 'B3-4.2-04 Pooled Savings (Community Savings Funds): Introduction This topic contains information
    on pooled savings (community savings funds). 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 …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fnma-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Fannie Mae Single Family Selling Guide B3-4.2-04, Pooled Savings (Community Savings Funds) (04/01/2009)
    source_class: gse-guide
    source_url: https://selling-guide.fanniemae.com/
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: Introduction This topic contains information on pooled savings (community savings funds). 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. Recent Related Announcements There are no recently issued Announcements related
      to this topic.
    drafter_attestation: Verbatim from Fannie Mae Single Family Selling Guide B3-4.2-04 body (max-gap occurrence),
      snapshot 5f7b8b79da595d76; substring-verified.
  judgment: false
