This guide explains how to document gift funds for a mortgage and meet lender requirements. 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.The goal of a gift letter is to provide the lender with proof of where the funds came from. A gift letter is a document certifying that your family member is giving you money to cover all or a portion of your down payment or closing costs. Mortgage gift letter template. Lenders generally provide a boilerplate mortgage gift letter template for you to use. LendingTree does not include all lenders, savings products, or loan options available in the marketplace. How Does LendingTree Get Paid? The gift donor may not be a person or entity with an interest in the sale of the property such as the seller, real estate agent, builder, or developer. Fill has a huge library of thousands of forms all set up to be filled in easily and signed.