When someone offers to help you make a down payment on a house, your lender will require a gift letter for a mortgage. Here's what it includes.A down payment can be hard to come by. One option is to be gifted the money, but this has certain requirements, such as a gift letter. Donor - Please complete items 9 through 12 as applicable and return directly to lender named in item 2. A gift letter for a mortgage shows your lender that you don't need to repay gift money toward your down payment. Fill out all relevant fields in Form Letters Of Appointment Of Personal Represetnative And Acceptance Of Appointment (Pima), take a break, and then review. Such letters state that the money received is not expected to be paid back in any way, shape, or form. Claims of proprietary information must be included in the cover letter. 2.