The sale money just landed in our account. Will that complicate buying a house?
No — it adds paperwork, and the paperwork is manageable when you see it coming. Lenders have to source large recent deposits. A business sale documents cleanly: the purchase agreement and closing statement explain the money in one stroke. Tell your loan officer the story up front instead of letting underwriting discover it.
If you're paying cash, it's simpler still — proof of funds is a bank letter or statement, and nobody needs your life story. One real caution either way: don't shuffle money between accounts while you're shopping. Every transfer creates another statement to explain, and a clean trail is worth more than a tidy dashboard. (Your CPA may have opinions about what the money does before it buys a house. I'm not one — that call is worth making first.)
Bring me the green light and I'll handle the house side.
I wrote this answer, and I stand behind it. I'm Chris Deutsch, a Minneapolis Realtor (MN #20382264). Twenty-five years of walking these neighborhoods, checking basements, and sitting across kitchen tables from people making exactly this call. I re-check every answer and date it — this one was last verified .
If your situation is more specific than the market, that's the one worth talking through. Email me at chris@lakesarearealty.com.