You did not say if your sister wants to be a co on the loan with you or she would provide half the price in cash.
If cash then your loan and payments would be much less. Is the loan agent suggestng a gift so that they can increase THEIR profit by getting you to finance it all.
Be careful.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
