不要与孩子联名。 你可以给多于 19000， 你需要报税，但通常不欠税。google 见内：

As of 2025, you can gift up to $19,000 per recipient annually without incurring gift taxes. Married couples can gift up to $38,000 per recipient. Gifts exceeding these amounts may require filing a gift tax return (Form 709), but taxes are generally not owed unless the lifetime gift tax exemption ($13.99 million in 2025) is exceeded. The recipient of the gift usually does not have to pay taxes on the money. 

 

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• 但占用了遗产税免税额，好在懂王的减税法案把免税额提高了。 -QuantFields- ♂ (0 bytes) () 08/02/2025 postreply 12:46:54

• 一个downpay离13个米还远着呢。将来房子的step up basis 恐怕是大头。而且joint 起来乱七八糟的事 -鲤鱼洲- ♀ (37 bytes) () 08/02/2025 postreply 13:02:17