Can FHA down payment be gifted?
Yes, in full. FHA allows 100% of the down payment to come from gift funds from eligible donors, with proper documentation.
What this actually means.
Eligible donors: family members, employer, labor union, charitable organization, government down-payment-assistance program. The gift letter must state no repayment is expected. Source-of-funds documentation is required from the donor.
Where this can move.
Gift source and donor eligibility, seller credit limits, down payment assistance program rules, and source-of-funds documentation can change the answer.
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More FHA questions on Down Payment.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.