Turn a Family Gift Into More Buying Power
Tufa is a mortgage company that helps buyers apply a family gift in the smartest way for their situation, whether toward the down payment, a lower rate, or eliminating PMI, to qualify for more home.
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Why Gifts Matter
To qualify for a mortgage, you have to show you can stand on your own:
Enough for a down payment
Most mortgage lenders in the U.S. allow gifts from family to count toward your down payment- Income that supports the monthly mortgage, your debts, and other housing costs (like taxes, insurance, and PMI)
While many lenders can help you find a good rate,
Tufa helps you get the best rate AND make the most of your family's gift.
Our Process
Whether you're buying your first home or helping a family member afford theirs, Tufa helps you get pre-approved, include family support, and close with clarity—all in one streamlined experience.
See Your Buying Power
Answer a few quick questions about your finances and any family support. We'll show how much home you could afford.
Build a Shareable Plan
Generate a personalized summary that shows what you could afford with family support. Use it to start the conversation.
Document the Gift
When you're ready, Tufa helps your family provide a gift the right way, with lender-compliant gift letters and guidance.
Get Pre-Approved (With Family Support)
Once your plan is in place, we help you get pre-approved to make the most of your family's support.
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What Could Family Support Do for You?
Explore how a gift from family could affect for your buying power.
Why work with Tufa
Tufa is a mortgage broker that specializes in helping buyers who are getting family support.
We compare hundreds of loan options from our lender network, including all the variables that affect your affordability:
Income and creditInterest rate buy-downsDown payment sizePMI prepayments and moreGift amount and how it's structuredWe look at every possible combination to identify the most affordable mortgage for your situation.
My friends and I always wonder if we’ll ever own a home. It feels impossible, at least anytime soon.
Priya
Boston, MA
Frequently Asked Questions
What if I need to get repaid before they're ready to sell? What happens if the home loses value?See all FAQs
Partner With Us
Join us in making homeownership more accessible. Partnering with Tufa means empowering families to invest in their future while growing your own impact.
Owning a Home Changes Everything
The market new buyers face today is unlike any time before. Young people often feel trapped in a cycle of renting instead of beginning to build their financial security for the rest of their lives.
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