Critter, that's a good point. Initially my sister was going to contribute less than 50%. She recently decided to contribute her full half. Not sure if that matters, and/or if that's why the lender would be recommending she gift me funds. One benefit is that it provides the downpayment for the mortgage, thereby not requiring any add'l funds down from me (which I'd prefer). But I'll bring it up with the lender and see what he says. Thanks
