The gift check and deposit slip showing closing funds deposited into your account. In this section, you can find information and answers to the following questions: 1.What happens after appointment? A gift letter is a note from the donor that says you don't have to repay the money. Gift Letter For Mortgage Template. Your lender might give you a template to follow if you tell them you're using a gift for your down payment. Mastick Senior Center, a division of the. Anderson points out that even after. A budget is a roadmap to plan your finances and keep track of where your money goes. Budgeting is a helpful tool whether you're working hard to make ends meet.