Down Payment Gifts for FHA Loans

The down payment for an FHA mortgage can be 100% gift funds. This is one of the key benefits to the FHA program.

Verification of the source of gift money is not required. However, it is necessary that the gift funds be deposited in the borrower’s bank or savings account, or in an escrow account, prior to underwriting approval. Proof of deposit is required.

Gift donors are restricted primarily to a relative of the borrower. They can also be certain organizations, such as a labor union or charitable organization. Contact your local branch for complete information.

Our Locations

Fresno Main Office
7330 N. Palm Avenue
Suite 106
Fresno, CA 93711
(559)225-0500


Fresno Alluvial Office
545 E. Alluvial Suite #111
Fresno 93720
(559) 431-0500

Fresno Champlain Office
1170 E. Champlain Dr.
Suite #107
Fresno, CA 93720
(559) 433-0500


Fresno Shaw Office
1415 W. Shaw Avenue
Fresno, CA 93711
(559) 248-0425


Visalia Office
3714 W. Mineral King,
Visalia, CA 93291
(559) 734-0500