Prosperity Home Mortgage

Planning your wedding or just married? Congratulations! If you’ve decided the next step in your life together will be buying a home, we have multiple loan programs with low down payment options available.

Wedding Gift Funds

Planning your wedding or just married? Congratulations!

If you’ve decided the next step in your life together will be buying a home, we have multiple loan programs with low down payment options available, which may allow the use of gift funds toward your down payment, closing costs or reserves. So friends and family can help give you something you really want - money toward your first home purchase!

Already deposited your wedding gift funds?

Here is the documentation you’ll be asked to provide:

A copy of a marriage license/certificate or wedding invitation; and
A signed statement from you, the borrower, indicating the funds were a wedding gift and repayment is not required.

Haven’t deposited your wedding gift funds yet?

You may be asked to provide this additional documentation:

Deposit slip showing the deposit of the gift funds into your account; and
An itemized list of the amount received along with the name of the donor.

Restrictions may apply. Wedding gift funds must be on deposit in a borrower’s account within 60 days of the marriage license or certificate. The 60 days can be either 60 days prior to or 60 days after the date on the marriage license or certificate.

*Not all borrowers will qualify

*Not all borrowers will qualify

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