Buying a home with help from family or another donor? Map out the gift amount, donor relationship, timing, and loan stage to build a lender-question list and a checklist of records to ask about. Get a sample gift letter for the buyer and donor to review, plus points to confirm with the loan officer before money moves.
Gift Funds
Prepare a down-payment gift checklist and lender questions for a home loan.
Use Gift Funds
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What it writes
- Gift-funds lender question list
- Down-payment gift records checklist
- Sample gift letter for review
How to use it
Include the gift amount, donor relationship, expected transfer date, loan type, and any lender instructions in your first message. That gives you a more useful checklist and focused questions for your loan officer.
What you bring
- Gift amount and donor relationship
- Expected transfer date and loan stage
- Lender instructions or loan type
- A planned home purchase or mortgage application
- The donor’s agreement to discuss the gift
A good fit for
- Planning a family gift before applying for a mortgage
- Checking lender requirements before a donor transfers down-payment money
- Preparing a buyer to discuss gift funds with a loan officer
Ways to start
A few requests this Agent can handle.
My parents plan to gift me $25,000 next month for a house down payment. I have a conventional loan preapproval. What should I ask my lender before they transfer it?
My lender says I need a gift letter and proof of transfer for $18,000 from my sister. Make a checklist of questions to confirm before closing in six weeks.
My aunt plans to give me $10,000 after my offer is accepted. Create a sample gift letter and a list of records my lender may ask us to discuss.
Good to know
This workspace provides text assistance.
- Confirming gift eligibility for a specific loan
- Tax, legal, or mortgage advice; ask qualified professionals
- Cannot verify current lender or loan-program requirements
- Cannot inspect account statements or contact your lender
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Can I use the response in my work?
Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.
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