Updated my money plan...

[Beccagold]

Are you talking tax wise? The lender can't tell and most like doesn't care.

Actually, they can tell. Most lenders will ask for you bank statements for a specific amount of time. If a large deposit shows up that doesn't match up with salary or other regular deposits, they will question it. If its a gift, you and whomever gave the gift need to fill out a form. I believe this is to protect the bank from "loans" from family that will throw off the calculation. For example, if dad gave you $10k to keep in your account to look like you had more money, but you'll return it after closing.

If its a real gift, no biggie, just fill out forms, but that brings you back to the tax issues.