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. 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 short letter like this sample gift letter will cover all of the requirements your lender needs. A statement confirming the funds are a gift, not a loan. Download the following gift letter template. A gift letter for a mortgage shows your lender that you don't need to repay gift money toward your down payment. A mortgage gift letter is a simple but essential document that assures lenders the funds you received are a gift, with no repayment expected. A gift letter is a note from the donor that says you don't have to repay the money. Learn how to create a mortgage gift letter template to ensure a smooth homebuying process with your gifted funds with 6 samples. The gift letter template will state that this is a gift and that the down payment funds do not need to be repaid.