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.Yes, all lenders will require a gift letter. Although you may have the funds, the lender needs to confirm that you won't have to repay the gift. A gift letter template is actually very simple to write. The purpose of this letter is to document that the money does not need to be repaid as well as the donor's name, contract information, and relationship to you.