On a Quit Claim Deed, what happens to the grantee as far as taxes and early withdrawal of an IRA to cover purchase?

My fiance purchased a house 4 months and now we are going to add me to the deed. I am going to take out 10,000 from my IRA to pay for half the down payment and pay half the expenses going forward. I have 3 questions: 1. Are there any tax implications to me (gift tax?) 2. Is this considered a purchase of a home as I am trying to avoid early withdrawal tax and the penalty tax? 3. Am I fiscally responsible for all costs purtaining to the property after that? I ask because we want to make sure we are both protected. Please advise. Any information would be much appreciated. Thanks so much!