With rising mortgage rates, high home prices, and strict lending standards, intergenerational wealth is becoming the key to homeownership among younger adults.

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recent LendingTree down payment survey revealed that 40% of all current homeowners in the U.S. received financial help with their down payment. That's up from 35% in 2023. More importantly, over a third of those buyers admitted they couldn't have bought their home without that outside assistance.

Helping a child buy a house is an exciting family milestone. But cutting a check without analyzing the tax code can trigger unintended

IRS reporting rules, potential capital gains liabilities, and complex estate-planning math.

Failing to plan before moving the money can transform a generous gift into one with unintended tax consequences. Read on.

Where down payment cash originates

The reliance on family wealth for a home down payment breaks down along sharp generational lines.…