Down Payment Guide

Can Family Help With My Down Payment?

Yes. On FHA loans, eligible family members can gift your down payment and closing costs — often covering 100% of the cash needed — when the gift letter and transfer trail are underwriting-ready. Ryan and Steve coach families through clean documentation so funds do not stall approval.

Get Pre-Approved FHA Overview

How Family Help Works on FHA

Family gifts are one of the most common ways first-time buyers close with less cash out of pocket.

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What Underwriters Need From Family Gifts

Most family-gift delays are paperwork issues — not eligibility problems.

Signed gift letter with amount, donor name, and family relationship
Clear statement that no repayment is expected
Evidence the funds came from the family member’s account
Evidence the funds deposited into your account or escrow
Explanation of any large cash deposits around the gift date

Tips for Family Donors

Keep the story simple and the path direct.

Transfer once — donor to buyer or donor to escrow
Avoid hopping through unrelated third-party accounts
Save statements covering the withdrawal and deposit dates
Tell us before large transfers so we coach the trail
Separate true gifts from seller credits or temporary loans

How We Coordinate Family Help

We treat family gift documentation as part of pre-approval — not a closing-week scramble.

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Step {i + 1}

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Keep Exploring

Related guides to help you compare options and move toward pre-approval.

Recent articles from our blog on FHA down payments and family gift funds.

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Frequently Asked Questions

Family Helping With Your FHA Down Payment?