Historians agree that Grant was likely unaware of Ward's intentions, but it is unclear how much Buck Grant knew. In May 1884, enough investments went bad to convince Ward that the firm would soon be bankrupt. Ward, who assumed Grant was "a child in business matters," told him of the impending failure, but assured Grant that this was a temporary shortfall. Grant approached businessman William Henry Vanderbilt, who gave him a personal loan of $150,000. Grant invested the money in the firm, but it was not enough to save it from failure. Essentially penniless, but compelled by a sense of personal honor, he repaid what he could with his Civil War mementos and the sale or transfer of all other assets. Vanderbilt took title to Grant's home, although he allowed the Grants to continue to reside there, and pledged to donate the souvenirs to the federal government and insisted the debt had been paid in full. Grant was distraught over Ward's deception and asked privately how he could ever "trust any human being again."