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Send 2 checks 1) Gift of $15k - tax free 2) Remainder of mortgage - they would have to claim it as a consulting fee on their W2s.

Might trigger audit?

Send 2 checks 1) Gift of $15k - tax free 2) Remainder of mortgage - they would have to claim it as a consulting fee on their W2s. Might trigger audit?

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loan them the money unsecured at the minimum allowable interest (i think irs rules are 1.8%/) then gift them the 15k a year to forgive the principle and interest. If you are a married couple you can gift them twice that and you can also forgive the loan upon your death. .

Thirdly, you can buy their home and gift it to them as part of your estate but it will still factor into your estate for tax thresholds (currently 10 million)