part 2 Wells Fargo Loan Assumption

so we complete the gift form. the forms that i have completed for this loan assumption is more than i ever thought. the time this is taking is more than i think it should be. any way, the current mortgage that i am trtying to assume is a non-conforming convention loan (30) year fixed rate. my question is the following: i am reading that there are 3 levels of assumtion and that novation is the one that i want becuase it completely removes my ex from any liability and respsonisibilty should i ever default on the note. can you tell me more abou this? i did email my rep at wf with this question to make sure we are absolving my ex from all responsibility. also, can u tell me more about the gift terminology. what if i had said i deposited cash, that was under my matress, would that have been better to say vs. being honest. the file is back in underwriting and is going in as an exception becuase i am 800.00 short of meeting the reserve for the lender. becuase once again, they can not use the gift money. very stupid rule.
this just seems crazy. thanks very much