Buying a home Fla. $3000 cash deposit is in purgatory.. help

[Chris Houghtaling]

i have found a home in homestead Fl. i have been approved for a 3.5% FHA loan.I had made acash depositof $3000 back on May 28th. it was disallowed for use as down payment/closing but i don't have my loan docs yet and it is now way past the 2 month moratorium on a unsubstantiated cash deposit. I think since the loan document hasn't been written yet it should be allowed. But my mort. broker said she submitted a pre-approval over a month ago and it was on that bank statement. I said if i go to a different lender it would be allowed because it wouild be over the 2 months to the new underwriter....she couldn't answer.

Could someone please answer, when is the date for the 2 month rule..closing? date of pre-approval ? When?

Also another situation has arose with the deposited $3000..please bear with me as i try to describe it..

**The $3000 that was disallowed ..now it seems that on paper i am unable to use that for anything. Because the $3000 will be deducted from the balance when it (the balance) is used for calculating my "cash on hand". If since i deposited that money back on about April 28th and i now know that it will not be allowed to purchase a house,.. i would like to use it for other expenses such as electric bill, car payment, food, etc. and would like to just keep depositing my paycheck and let my account balance rise... make sense? But evidently they dont see it like that. If i decided to now remove the $3000 because i cant use it anyhow (to buy thing for cash to keep my balance up) they will still reduce my account balance later by $3000 when they determine my cash on hand available for closing. (this is what im told) so i cant even use that money... its caught in a "cash purgatory zone" ..and unusable !

As it is now, that $3000 is as if its not even there (to me) and it is unusable to me for months or until closing or whenever that final "cash on hand" determination is made.

My current withdrawl balance since that deposit was made is $4560 for items such as food, car loan, utilities, medication, fuel etc.  well beyond that cash dep. of $3000. In my eyes those purchases since they dont relate to the closing or down payment should be seen as coming from that $3000 reducing that amount up until the $3000 is met.

I hope that makes sense.

.***Also if they only look back 2 months, if the deposit was made on April 28th (it was) its already been over 2 months and will be 3 months by the time of closing. 

Question is :

Is this correct and should i be able to use that money for closing now or if not can i take it out and use it.

Thanks Chris