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 person who gave you the money must write and sign the gift letter as well as provide their personal information.A short letter like this sample gift letter will cover all of the requirements your lender needs. A gift letter for a mortgage is a written statement confirming that the gift money you receive from a family member or friend is a gift, not a loan. A gift letter is a note from a donor to your lender regarding cash funds for your mortgage down payment. Learn about gift letter requirements 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.