The letter must explain who is gifting the money, where the donor's funds are coming from and the relationship between the donor and the recipient. The below forms are for Franklin Templeton funds.Do NOT use these forms for Western Asset Money funds. General. You are ready to use your savings. You can either request a check or transfer to another bank via Automated Clearing House (ACH). 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. Minimum withdrawal: Under the fixed amount option, minimum withdrawal amount is Rs. 500. Second, the reason your bank is asking you to provide a gift letter Is that the funds must be verified. A gift letter is a note from a donor to your lender regarding cash funds for your mortgage down payment. Use this form to transfer securities to your Franklin Templeton Charitable Giving Program.