A signed gift letter from her parents. Your parents will need to file the proper forms with IRS declaring the gift.So no potential consequences of gift tax. 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. Yes, all lenders will require a gift letter. Although you may have the funds, the lender needs to confirm that you won't have to repay the gift. What should you include in a gift letter? A gift letter is an important, formal, legal piece of documentation that can help explain that a (usually rather large) sum of money was gifted to you. To use gift funds, you must provide a gift letter proving the money is not a loan. A gift letter from the donor to the recipient, detailing the amount gifted and its intended purpose.