Lenders generally provide a boilerplate mortgage gift letter template for you to use. Below is a typical gift letter template you can share with donors.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. A short letter like this sample gift letter will cover all of the requirements your lender needs. 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. A gift letter for a mortgage is a written statement confirming that the gift money you receive from a family member or friend is a gift, not a loan. Mortgage gift letters tell the lender that money for your loan came from a gift. Lenders require gift letters when necessary. Indiana Full retail Release of Mortgage.