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.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. A gift letter for a mortgage shows your lender that you don't need to repay gift money toward your down payment. A gift letter will be an important part of the documentation you have to provide when it's time to get approved for your home loan. This guide explains how to document gift funds for a mortgage and meet lender requirements. A gift letter is a document certifying that your family member is giving you money to cover all or a portion of your down payment or closing costs. A gift letter is a document certifying that your family member is giving you money to cover all or a portion of your down payment or closing costs. A statement confirming the funds are a gift, not a loan.