(Closed) fiance and I are buying a house but he asks me to put the down payment

posted 5 years ago in Relationships
Post # 2
576 posts
Busy bee

I would not do this as you are not married yet. just my opinion.

Post # 3
924 posts
Busy bee
  • Wedding: April 2015

starlove2014:  Why are you moving into a new house? Why don’t you just wait until after you’re married if this is a concern? My Fiance and I bought a house before getting married, but I paid the down payment and the house is solely in my name. I think I might be uncomfortable putting down the down payment on someone else’s mortgage. 

Post # 4
1125 posts
Bumble bee

I would also wait til youre actually married to buy a house together. I don’t understand though his reasoning…when you’re married all of your and his money will be both of yours correct? So what’s the difference between you paying all of it and you splitting the cost halfway? Seems odd to me..

Post # 5
8873 posts
Buzzing Beekeeper

starlove2014:  No, that sounds like a very bad idea.

What does this mean: “since I am a student he will own the mortgage“? Do you mean the house would be in his name? What does that have to do with being a student?

Are you saying he only makes $6000 per year? Or was that a typo? Because that is not enough for one person to live on, much less two people.

And who exactly is “he”? Is this your husband, fiance, boyfriend, what? ETA: nevermind, I see in the post title he’s your fiance.

  • This reply was modified 4 years, 10 months ago by  Daisy_Mae. Reason: nicer
  • This reply was modified 4 years, 10 months ago by  Daisy_Mae. Reason: answered my own question
Post # 6
2573 posts
Sugar bee

If you are not on the title I would not put down a dime.

Post # 7
9516 posts
Buzzing Beekeeper
  • Wedding: August 2012

I would not buy a house with him without being married. If he decides to break things off, you will be out all of that money.

Post # 8
84 posts
Worker bee
  • Wedding: May 2014

I personally see a red flag in the fact that he is owning the home. What if things went south and he kicked you out? Would he keep your money in the house? Would he pay you out? 

I bought a house house with my late fiancé and paid all the down payments and everything. We called everything off and sold the house 1.5 years after buying it and I lost thousands of dollars. We were both co owners however

just speaking from personal experience. Good luck

Post # 10
10650 posts
Sugar Beekeeper
  • Wedding: January 2011

Can you two actually qualify when he only makes $6000/year?  Or is tousand some value I’m unaware of and you don’t mean thousand?

Post # 12
1288 posts
Bumble bee
  • Wedding: August 2015


starlove2014:  Um, no. Especially if he is the only one who “owns” it. Just because you’ll be “surviving” off his income for “x” years doesn’t mean you should upfront everything. If you do decide to put that money down, I’d make sure your name is on the mortgage.

Post # 13
14967 posts
Honey Beekeeper
  • Wedding: June 2011

Let me get this straight

-you both will be on the title

-the mortgage will only be in his name

-he wants you to pay the entire down payment on new house?

Post # 14
8873 posts
Buzzing Beekeeper

starlove2014:  Ok, so are you saying you would put down $60,000 for the downpayment and then HE would finance the rest with a mortgage in his name only, and the title would be in both of your names since you’ll be married AND will BOTH have a vested financial interest in the house (you via cash downpayment, him via the mortgage)? If so, that seems much more reasonable than what the original post sounded like.

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