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. Maricopa County Gift Deed Form. Fill in the blank form formatted to comply with all recording and content requirements. A gift letter for a mortgage shows your lender that you don't need to repay gift money toward your down payment. Mortgage gift letters tell the lender that money for your loan came from a gift. Lenders require gift letters when necessary.