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Is giving my girlfriend money for her mortgage closing costs and down payment considered fraud?
When you purchase a mortgage, you have to prove the source of your down payment.  Primarily this is so that the mortgage lender knows that there are no other outstanding liens against the property.  If you show that some or part of your down payment was a gift, there is no fraud, but it may affect your qualification for the mortgage. Consult a lawyer in your area to determine if there is a legal way to gift the money that is not taxed.  If all else fails you could just pay the tax.  Also, you should research whether your gift is above the floor of taxable gifts.