Tax credits after financial settlement?

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I'm currently entitled to working tax and child tax credits. What happens when my financial settlement is through? I expect it will likely take a further 3/4 months to purchase a property. How do HMRC treat this money in the time between receiving the settlement, finding a house and buying it?

A lump sum of money in your bank account will not affect tax credits as long as you declare any interest over £300 earned on the capital.
Tax credits are based purely on income not capital. I think under universal credit, capital/ savings will be taken into account though.

Thanks, good to know I won't have to dip into it for our day to day expenses.