Must the money for Umrah come from the pilgrim's private funds, or is it permissible for his father to cover the expenses, and does that affect the reward of the Umrah?

If a person has their own money, it is better for them to perform Hajj and Umrah with their own funds to increase the reward. However, if the father covers the expenses of Hajj and Umrah, the reward will not decrease, by Allah's will.