Area cuatro: Cosigning otherwise Investing in a house Yet not, there clearly was an exemption that allows one provide doing $14,100000 annually ($twenty-eight,one hundred thousand for a couple) so you’re able to as many individuals as you would like versus relying up against your life exemption. When you need certainly to current their girls and boys money getting an effective down-payment plus don’t want to decrease your lives $5.45/$10.9 billion