Using Gift Funds for Your Down Payment? Here's What Actually Counts

Getting help from family toward your down payment can be a huge boost, but not every gift qualifies, and mishandling the paper trail can cause real delays at closing. In this video, Brandon Carus, mortgage loan officer with Cream City Mortgage (CCM), breaks down exactly who can gift funds, why it has to be a true gift with no repayment expected, and why a personal check (not cash, Zelle, or a cashier's check) is the safest way to receive it. Brandon also walks through what documentation your lender will need to source and verify those funds, and why looping your loan officer in early matters more than people expect. Expecting gift funds for your purchase? Reach out to Brandon directly so it's handled right from the start.

Reach out to Brandon directly

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