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If family is helping with your down payment, timing matters more than you'd think. Most people don't know that gifted funds sitting untouched in your account for 90 consecutive days are no longer treated as a gift at all — they become your own money in the eyes of your lender. That distinction can open up mortgage programs a fresh gift wouldn't qualify for, and it's just one of several rules worth knowing before you rely on family funds. In this episode, I broke down the full picture — who can gift you money, how much paperwork is really required, and what happens when funds come from abroad.


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