Why would we give you a hard time about having come into some money and using it to improve your life? 🙂
Since it’s an inheritance, it means you probably lost someone dear to you and we are sorry for your loss. However, it’s also a blessing that they were thinking about you future when they expressed their final wishes.
Worst case scenario is you will have to provide documentation verifying the source of the funds. That’s not us requiring it by the way, that’s actually the Feds. When the Dodd-Frank Act was passed after the crash in 2007 it included a significant tightening of anti-money laundering regulations. So a sizeable lump sum such as an inheritance may need some documentation to simply prove the money is from a legitimate source.
You will still be limited to the five point maximum that the buyer is allowed to contribute to the buydown, but otherwise, you should be fine.