Can I use gift money for my down payment?
Yes, gift funds from family are widely allowed, especially on FHA and many conventional loans. The giver usually signs a short 'gift letter' confirming it's not a loan, and the lender documents the transfer.
Yes — gift money is common and completely allowed on most loan programs, including FHA and many conventional loans. Family helping family is a normal part of buying a first home.
The main rule is a paper trail: the person gifting usually signs a simple 'gift letter' stating the money is a gift, not a loan to be repaid, and the lender will want to see the funds move into your account. Rules on who can gift and how much vary slightly by program, so let your lender know early and they'll walk you through it.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.