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. 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. 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. Use the free New Jersey Online Filing Service to file your 2024 NJ-1040 return. It's simple and easy to follow the instructions, complete your NJ tax return,. A gift letter is a note from a donor to your lender regarding cash funds for your mortgage down payment.