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Helping with a Down Payment Gift or Loan – Total Mortgage – Helping with a Down Payment: Gift or Loan? February 7, 2013. Steve Cook . February 7, 2013 by Steve Cook 3 Comments. In 2012, 14 percent of all home buyers and 24 percent of first-time buyers got a little help from their friends and relatives in the form of gifts to help them with their down payment.
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