As Lord_Tony said, it is very subjective because the VO that will process your application, will have full discretion regarding how to interpret your file (within the guidelines that is)
However, it is well documented by now, that people that didn’t meet the POF requirements 6 months prior to their application but do at the time they submit it (By using a gift deed for example. Even for the full amount.) still can have their application approved. Especially, if you have an ongoing, legal job at the time of your application, and the VO can see how you've been getting paid consistently and as well, saving money consistently, even if you can’t use that job directly for POF (Maybe because you don’t have a LMIA for it)
At the end of the day, what they really care about is, that you have the money available to you by the time you apply and during the duration of your processing of your application. Also, that this money is unencumbered by debt of course and comes from legal sources. The fact that your bank statement shows a steady income flow, as well as a healthy saving habit, is going to help you in the long run, even if you didn’t have the complete amount for the first 4 months of those 6 months you showed in your statement. What really matters is that you do by the time you apply, and the VO can see where those funds came from.
As per the IRCC:
Your funds must be available to you both when.
- you apply
- we issue you a permanent resident visa (if we approve your application)
Source:
https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/documents/proof-funds.html
