how important are assets when buying a house if doing 20% down already?

Question

I currently have student loans and I am trying to do more than the minimum amount each month. we are looking into buying a home within next 6 months. I wanted to pay extra for my school loans now but I am wandering if I should hold off until after i get the mortgage loan to show greater assets? my DTI will still be under 36% back end. credit score 770. We are planning to do 20% down, how important are remaining assets to these lenders? does it just help with loan acceptance and or interest rate or just ability to pay back the loan for them? thanks

Update:

Yes that’s including my future mortgage DTI under 36% back end

kurt · Answer

It has nothing to do with assets,
It is about debt to income ratio and job history.
the average home in America is over $300,000 
20% is $60,000 for a dump
$500,000 is $100,000 down at 20% plus a $2500 payment

A Hunch · Answer

Your income and DTI have the same importance regardless of whether you are doing conventional funding or government backed funding.
= either way, your loan needs to be sellable on the open market.

Assets are used to support income.

The DTI the lender cares about includes your mortgage not before.
Is the 36% including your future mortgage?

Maxi · Answer

ANY mortgage company look at your debts as well as your income and savings before offering a mortgage loan and many will not offer a mortgage loan if you have too much debt

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how important are assets when buying a house if doing 20% down already?

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