A joyful couple stands outside a house, holding a gift box filled with cash and a set of keys, symbolizing a new home purchase or financial gift.

In the world of mortgages, “gift funds” can be a powerful tool to help make homeownership more accessible, especially for first-time buyers. What Are Gift Funds? Gift funds are sums of money given by one person to another without the expectation of repayment. These funds can be applied toward a homebuyer’s down payment, closing costs,…

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