So your kid wants to buy a home, and you're thinking about stepping in to help. Good news: you’re not alone. Bad news: doing it wrong can trigger taxes, tension, or both. Today’s first-time buyers are facing a combo of sky-high prices and interest rates that just won’t quit. The typical down payment

For decades, buyers have been told to follow one simple rule: Don’t spend more than 30% of your income on housing. That is the gold standard. The budget benchmark. The line in the sand between “affordable” and “overextended.” But in 2025, that line no longer seems attainable. According to a Realtor.

Buying a home hasn’t exactly felt “easy” the last few years. The past few years have seen intense competition, high prices, and “better luck next time” bidding wars.  But now, things are shifting.  While we’re not in a full-blown buyer’s market just yet, inventory is up, competition is cooling, and