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.How to write a gift letter. Below is a template for a gift letter, useful when family or friends want to help you with a loan downpayment. 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. We'll also show you how to write a gift letter with a gift letter template so you can help your donor prepare for underwriting. Most lenders have a template for mortgage gift letters that you can download, fill out, sign and submit back to the lender.