Business & Finance mortgage

Is a Gift From a Parent's Refinance of a Home Taxable?

    Identification

    • According to the federal tax regulations, a gift is typically taxable, unless there is an exception to the taxable gifts rule. Gifts to the taxpayer's spouse, a political organization or qualified charities or medical or tuition expenses paid to a third party are not taxable.

    Size

    • The gift from a parent to a child may not exceed $13,000 as of 2009. The $13,000 exclusion applies for each child-donee.

    Considerations

    • If the taxpayer is married, then the taxpayer and taxpayer's spouse may give property worth $26,000 to each child. The $13,000 limit applies to non-cash gifts, too. For instance, if the taxpayer received non-cash gifts such as stock shares, then the taxpayer must claim income on any gains.

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