<prompt> Human: As the title says... My mom offered to pay for a 20 down payment on a house for me with the condition that once I decide to sell it... I have to pay her back the original 20 down payment plus half the equity earned. This sounds like a bad deal to me. I am just wondering if there are any other follow up questions I should have with her regarding her proposal. Some background: I am 26 years old, have a great and stable job, could easily make mortgage payments... Im just not sure if this is a good offer or not..  <response>: Thats a loan with the worst terms Ive ever heard. Tell your mom to buy her own property.You can get an FHA loan and only need to put 3.5 into it. 