大部分lender只看一个月的bank statement。很少有看两个月的。如果可能，提前几个
月打到你的account， 银行看不到transfer记录， 就不会papertail。如果已经进入
contract，可以wire gift funds directly to escrow at closing，亲戚要出gift
letter。
Both you and your family will need to prove to your lender that the money
was given to you, in the form of a Gift. To verify that the funds are in
fact given freely, your lender will require special documentation.
Typically, a gift letter will include the name of donor, the name of the
recipient, the relationship between the two parties, the amount of the gift,
the address of the property for which the gift is to be used to pay for,
the fact that no repayment is required or expected, and an assurance that
the person making the gift or the source of funds is not in any way party or
beneficiary to the transaction, e.g. not the broker, seller, agent, loan
officer, builder and so on.
In most cases the person giving the gift will be required to document where
the money came from, such as a bank account or a brokerage account.
