Dear Liza: I thought about putting my son on the title of my house so he would have additional financial support. I’m not just real comfortable with that idea. I know creditors can and do go after people with ownership to a home.My son is doing well, but he does have a large student loan he needs to repay. What do you think about my adding him to the title of my house?  I think you should listen to that inner voice that isn’t comfortable with the idea.  You are absolutely right that adding him to the title puts your assets at risk to his creditors.   Also, if you put him on title, you are making a taxable gift to him of one-half the value of the house and you should report that on a gift tax return by April 15th of the following year. (You won’t owe any gift tax, most likely, because at the moment you can give up to $5.12 million without having to pay gift tax, but you still have to report any gift over $13,000.)  Finally, he will get your one-half of the house with a capital gains tax basis of what you paid for that house (and I’m guessing it’s appreciated since then.)  If he ever does sell it, he’ll owe capital gains taxes on the amount it’s appreciated since you purchased it.  You can leave him the house at your death, if that’s what you want to do, but for now, I wouldn’t recommend it.