If the bank does not think she can repay a $1200 loan, why would you loan it to her? Also if she does not have $1200, she should not be buying a house. When I do buy a house, I will have a sizable down payment that is not borrowed and a good cash reserve.

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1984 300SD Orient Red/ Palomino
1989 560SEC
2016 Mazda 6 6 speed manual
1995 Ford F-150 reg cab 4.9 5speed manual