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Down payment amounts above $19,000 and received as a gift must be reported on a gift tax return by the person making the gift—not the beneficiary. But that doesn't mean the donor will pay taxes. "The ...

No Incentive to Pay Down a 3% Mortgage So were you fortunate enough to get a fixed-rate mortgage in the 3% range? Enjoy your home and the gift of that low rate as long as possible. With savings ...