Many homebuyers receive down payment gifts from family, allowed by most loan programs like conventional, FHA, VA, and USDA loans, each with specific rules. FHA loans permit the entire down payment as a gift, while conventional loans may require some borrower funds if under 20%. Donors are usually family, employers, close friends, or nonprofits, not sellers. A signed gift letter and proof of funds transfer are required. Gifts must not be loans or require repayment.