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. The goal of a gift letter is to provide the lender with proof of where the funds came from.Adding a name to a title - To add a name to the title, please complete the assignment section on the reverse side of the title with both names where. A short letter like this sample gift letter will cover all of the requirements your lender needs. A down payment gift letter - If your lender has a template letter for this purpose, you will need to send it to the funds' donor. Keep in mind, the amount of the transfer must match what's stated in the gift letter. FHA loan gift funds. I am providing (borrower's name), my (relationship), with a gift of (amount of the gift) toward the purchase of their home. Sign the Gift Letter: You'll receive a template letter stating there's no expectation of repayment. The letter should state that the person giving you the money is not getting something of value in return, such as an ownership stake in the property.