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What do we offer vs other agencies? Using Gift Money For Down a Payment. Middot; Leave a Comment. If you are looking to buy a home you may be wondering how you will be able to come up with the down payment. One way that many buyers come up with down payment money is from gifts. If you are planning on using gift money to help buy a home there are some guidelines you will need to follow. 1 Get a Gift Letter. Have the letter hand-signed by you and the gift-giver.
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