A short letter like this sample gift letter will cover all of the requirements your lender needs. A mortgage gift letter is a statement that assures your lender the money that came into your account is a gift and not a loan.Use these stepbystep instructions for accepting a cash downpayment gift on a home, including a readytouse mortgage gift letter template. This worksheet must accompany each fully documented approved mortgage package where the client is applying for down payment assistance from the Town of Davie. Searching for 2025 Down Payment Assistance in Florida?