<prompt> Human: Has anyone used one of the following sites? Are these legitimate services? I rarely ever hear of couples using services like these, and in my mind, they seem like a great idea and almost to good too be true. There must be some sort of financial caveat that prevents couples from crowdsourcing a down payment. Im thinking tax trouble?Also, what are the tax implications to allowing wedding guests to crowdsource a down payment for a home? How must something like this be reported to the IRS? Assuming we pool thousands of dollars.  <response>: Just dont do a registry and accept checks in cards. No need to overthink it. 