Is there a tax liability if two buy a home together, but one pays more down than the other?

Call your CPA for tax advice.

I don't believe anyone on this forum is qualified to answer this unless they are also a tax professional.

Tax liability only happens at the time of sale, if at all. A personal residence has the benefit of up to $500,000 exclusion of capital gain liability on sale, for married owners filing jointly . Investment property capital gain liability, if there is a gain after factoring in claimed deductions, will depend on how title is held and how expenses were apportioned during the period of ownership. Plan your exit strategy in advance.

Def Talk To An Accountant.

Please contact a accountant for the best factual answer

It is a question for a tax pro

That is a question for your Accountant.

I am not a tax professional, and this forum is mostly Loan Officers... But there is no tax liability at the time of purchase.