Sorry, you are correct. Looks like I was given bad info by a loan officer (imagine that ...)
FHA allows gifts to be used as downpayments IF they come from a relative, employer or labor union, a close friend with a clearly defined and documented interest in the borrower, a charitable organization or a government agency / public entity which provides home ownership assistance to first time buyers or low to moderate income buyers.
My apologies for the bad info.
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