I just don’t know what to say

In the process of preparing to buy a house, I was saving money. Makes sense right? I was keeping it all in my checking account the whole time because that’s where I deposit everything. By the time I had amassed what I expected would cover my closing costs, with the closing date a good month or two away, it dawned on me that I have a savings account for a reason, I should be using it for this. It may not be much, but any money I put in there will accrue interest. So, thinking this it the smart and responsible thing to do with what I had saved, I transferred most of it over.

Less than a week later I realize that I’m still waiting for my deposit check to clear – and I no longer have the money in my checking to cover it thanks to my transfer. Moron. So I move part of it back in a panic, which should be plenty to cover the deposit in limbo and any outstanding withdrawals. After another couple of days it dawns on me that I’ll obviously need everything in one account to write the final check at closing, so I transfer the remaining amount to the original account. Back to square one. However, as a result of this, I now appear as insane and incompetent to my loan processor as they do to me.

I understand the confusion I caused: in the course of about ten days I moved a large sum of money from one spot to another and back, but in two smaller pieces. To gain 9 cents in interest. I completely accept the triviality of this in retrospect. But what I don’t get is what the underwriter thinks happened: they see a large transfer to an account, and then two smaller transfers from the same account that add up to the first transfer… but they don’t know where that money came from. What?

Some people think when you close the door on the fridge, the light stays on. These people apparently believe that the light, and everything inside the fridge, simple cease to exist - and when they open the door again they must gasp in astonishment, wondering where the all this food came from.