yes. If parents send money to their children to pay the down payment for buying a house in the United States, their down payment ratio can reach better loan conditions. Canada can remit money to American sons to buy a house. Banks generally stipulate that a down payment of more than 25% can be exempted from loan insurance, and it also helps to enjoy the best interest rate. You still have to show some documents to the loan officer to prove that your parents have funded you.