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Contact. Login.Account Closed I know you mentioned Elizabeth, but I'll answer as well. Lenders will allow retirement account balances (TSP, 401K, IRA and others) to be used for your reserve requirement qualification. So say you had to show 10K in reserves after the down payment is funded for your purchase, but you don't have that in your personal account. Aug 21, 2020 · They really don’t need much, if any, from their TSP account in retirement other than fun money. Others may still be paying off their mortgage or may have higher lifestyle goals in retirement. Everyone has a different idea for what an ideal retirement looks like, but the tricky part is knowing if your finances can support your choices.