With my lender, I don't have to have the money until I close, but the lender that my realtor wanted me to use wouldn't talk to me until I had the full downpayment (grrrr).
8/31/12 FICO 733 (lender pulled)
1/7/13 Transunion 718, Equifax 710 (MyFico)
2/20/13 Equifax 729
