If you are going to transfer money or borrow money to make the purchase of your home you need to do so well before the closing. I am in a sitation right now where a buyer waited until the last minute to transfer money from an out of state account. What they didn't know was that the bank requires the money to sit in the account for 5 business days before it can be released. Now the sale is delayed because if this error. Also, if you are having money gifted to you from family make sure to disclose this at your initial meeting with you lender. Banks are looking at loans with a fine tooth come and want records of where the money is coming from.
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