how to come up with money for a down payment

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Gifts can be used as down payments, as long as you can present a signed statement saying the money is a gift and not a third-party loan and can prove the source of money. You may be able to withdraw up to $10,000 from a traditional, SIMPLE, or roth individual retirement account (ira) without penalty.

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At that price, coming up with a down payment is no easy feat.. "I've seen people 'gift' money and actually require their kids pay it back.

One of the more obvious sources of money needed to make a down payment is a personal savings account. Whether this is a typical bank account, an investment account, mutual funds, GICs, or even a tax-free savings account (TFSA), your down payment can come from any one of these sources.

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There are many ways to raise money for a down payment. Here are ways to. Creative Ways to Come Up with a Down Payment. Lee Nelson.

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Use gift funds. Whether your parents gifted you cash, or you got married, or you started a GoFundMe account to save money for your starter home, many lenders will allow the use of gift funds toward a down payment. Get a second job. Okay, this one isn’t so unconventional, but it is practical.

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Saving enough for a down payment might be tough, though. Don’t abandon the dream of owning your own home. You can come up with the cash you need for a down payment.