Here's a sample gift letter you can use to prove that the money is truly meant as an outright gift, with no expectation of repayment. When someone offers to help you make a down payment on a house, your lender will require a gift letter for a mortgage.Here's what it includes. "Streamline your mortgage process using our customizable Gift Letter for Mortgage template. All care packages can be ordered through Access SecurePak for sending gift packages to your family or friends in the Bexar County Adult Detention Center. Mortgage gift letters tell the lender that money for your loan came from a gift. Lenders require gift letters when necessary. Use a Texas Gift Deed to give real estate to another person or an entity. Gifting real estate among spouses or family members is fairly common. You can use gifted funds to make a down payment, but your mortgage lender will want to know some details before they allow you to use it.