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.

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 licsense/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 deposted 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

*Not all borrowers will qualify

More Loan Types

Fixed & adjustable rate mortgages
These are two of the most popular loan types when buying a home or refinancing your mortgage.
Learn more
FHA and VA mortgage programs
Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) loans are popular homebuyer...
Learn more
FHA streamline
Allows qualified borrowers to refinance a current FHA mortgage loan to a lower interest rate more quickly and ...
Learn more
VA loans
As a servicemember or veteran of the United States military, your duty has been to support and defend our ...
Learn more
Rapid Close ™
RAPID CLOSE is Prosperity's trusted platform for closing loans fast. Powered by Notarize, RAPID CLOSE allows ...
Learn more
Uplift
Our Uplift program ensures all FHA and VA qualified customers receive low rates and fees, which will reduce ...
Learn more
USDA Loans
Offers eligible borrowers in rural areas with no-down-payment financing options. These loans must meet certain criteria.
Learn more
Jumbo (Non-Conforming) Loans
Provide financing for loan amounts higher than the maximum conforming limits set by Fannie Mae and Freddie Mac.
Learn more
FNMA HomeReady ™
FNMA HomeReady™ by Fannie Mae is designed to help qualified borrowers in designated low-income, minority, and ...
Learn more
First Time Homebuyer Loan Options
Great news! With the many options now available for qualified buyers, you may be able to buy a home sooner...
Learn more
Low Down Payment
Qualified first-time home buyers may be able to get a conventional loan for as little as a 3% down.
Learn more
FHA Streamline
Allows qualified borrowers to refinance a current FHA mortgage loan to a lower interest rate more quickly and ...
Learn more
USDA Loans
Offers eligible borrowers in rural areas with no-down-payment financing options. These loans must meet certain criteria.
Learn more
3% Down First Time Homebuyer Program
Is your savings account standing between you and homeownership? We may be able to help.
Learn more
The Prosperity Buyer Advantage
Getting pre-approved for a mortgage is a great place to start when buying a home, but if you want your offer to ...
Learn more
Lock, Shop & Home
We understand rising interest rates are a concern while searching for a home, but our Lock, Shop & Home program may ...
Learn more
XLR8
XLR8 is an expedited mortgage approval process designed to allow us to verify a borrower’s credit, assets and ...
Learn more
BorrowSmart - Low Down Payment Program
You may qualify for up to $1,500 in down payment and/or closing cost assistance!
Learn more
Real Estate Investor Loan Programs
Let us help you reach your real estate investment goals with a variety of different programs.
Learn more
Good Neighbor Next Door
Contribute to the revitalization of your community while becoming a homeowner.
Learn more
Wedding Gift Funds
Planning your wedding or just married? Congratulations! If you’ve decided the next step in your life together will ...
Learn more
The Prosperity Buyer Advantage
If you know what to expect, finding and financing your first home can be an exciting and rewarding experience!
Learn more
Calculate Your Mortgage Payment
Find out what your monthly payment will be with applicable finance charges, PMI, hazard insurance, and property taxes.
Learn more
Basics of Buying
Follow these helpful tips when applying for a mortgage to help make the process go smoothly.
Learn more
Things to Provide: Document Checklist
Use this handy checklist to gather documents for your home loan.
Learn more
Mortgage Process Roadmap
Wondering what to expect from start to finish when it comes to obtaining financing for your mortgage? Find out below.
Learn more
Understanding Your Credit Score
Learn about the 5 components that determine your credit score and how to manage it.
Learn more
Mortgage Glossary
Not sure what appraisal, escrow or private mortgage insurance are? Find out about these mortgage terms and more.
Learn more