@Think 57 Although my answer was from 2019, the gift tax rules have not changed, so the instructions I provided there are still valid. You'll notice at the beginning I stated that a gift from a joint account may be acceptable, and the same would hold true to gifting to a joint account of a married couple. The key is to document everything, if the IRS were to request proof. As proof you can maintain records of the direction provided by the escrow company that shows the intent of the gifting.
In this situation. each spouse can gift up to $15,000 to each spouse that is receiving the gift before gift tax must be accounted for. That means total you can gift $60,000 before reporting anything. But again: document, document, document. That's the key.
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