Talk to a loan officer

The mortgage company would require a gift letter for any "borrowed" down payment. 

If you signed the gift letter, you need to include the money on IRS form 709, to avoid gift taxes.

This money can come out of your estate tax exemption amount of 11.58 million.

Google unified credit. 

所有跟帖： 

• yes, we plan to sign the 709. thx again. -笨小子- ♂ (0 bytes) () 03/19/2021 postreply 08:20:49

• 这下好了，成了名正言顺的馈赠。你只要仍然想收回，就应该作loan处理。 -风雨夜行人- ♂ (0 bytes) () 03/19/2021 postreply 11:02:16

• not sure what you mean "sign the 709". but okay. -柠檬椰子汁- ♂ (0 bytes) () 03/19/2021 postreply 12:08:12