Carl
Level 15

Home loans

Because you are married, the gift tax filing requirements do not apply to a married couple. Doesn't matter if you live in a community property state or not. Monies transferred between a married couple don't count for anything. You don't report anything to anyone on any form, because there's nothing to report. It's no different than giving your child lunch money every day. Remember, now that you're married there is no more of this "my money, their money" stuff. It's now "OUR" money. Giving your spouse money to pay down a debt is the same as taking money out of your left pocket, and putting it in your right pocket.