We can use tax proations to offset closing cost and escrows for underwriting. You will need to show down payment in your account. If you already have closing cost being credited you cannot use prorations to offset down payment. Even though you will not have to bring in full down payment you must show it to get to closings. Not all lenders allow you to offset closing costs and escrows. We have an investor that allows it as long as we provide a preliminary closing disclose from title company with prorations. Call me anytime.