Yes. A spouse who isn't on the loan counts as an acceptable gift donor. Gift funds from a family member are allowed across the major programs, and the rules are more generous than most people expect. On a conventional loan for a one-unit primary residence, the entire down payment and closing costs can come from a gift, with no required minimum from your own funds. FHA works similarly: the 3.5% minimum investment can be fully gifted. The requirement to take seriously is documentation. The gift needs a clean paper trail: a signed gift letter, evidence of the transfer, and sometimes the donor's source of funds depending on the program. Done correctly, using a non-borrowing spouse's money for closing is routine, and lenders see it all the time. The exact paperwork differs a little by loan program. Tell us which loan you're using and we'll lay out precisely what the file will need so nothing holds up your closing.