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FHA updated its guidelines recently - the following individuals and entities are defined as acceptable donors or non-occupant co-borrowers:

1. The borrower's family member
2. The borrower's employer or labor union
3. A close friend with a clearly defined and documented interest in the borrower
4. A charitable organization
5. A government agency or public entity that has a program providing homeownership assistance to low or moderate income families or first-time homebuyers.
6. Only family members may provide a gift of equity on a property being sold to other family members.

Family members are defined as any of the following individuals:

1. Child including stepchild, parent or grandparent.
2. A parent or grandparent includes a stepparent/grandparent or foster parent/grandparent.
3. Spouse or domestic partner
4. Legally adopted son or daughter.
5. Foster child
6. Brother or stepbrother
7. Sister or stepsister
8. Uncle
9. Aunt
10. Son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law or sister-in-law.