Are you talking tax wise? The lender can't tell and most like doesn't care. The tax man will. A person can give $12,000 a year to someone without triggering the gift tax. So, your dad can give you $12,000 this year. If you are married, he can also give $12,000 to your spouse. If your dad is married she can give you $12,000 and she can give $12,000 to your spouse.
If you or dad are not married, he can give you $12,000 this year and $12,000 next year and $12,000 the year after and $4000 the year after that.
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