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. My mortgage lender had me sign a gift letter saying that the money was a gift that I wasn't going to pay back.The County Board of Supervisors accepts donations and gifts offered to the County for the use, benefit and advantage of the citizens of San Bernardino County. A gift letter for a mortgage shows your lender that you don't need to repay gift money toward your down payment. 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 mortgage gift letter is a document that helps satisfy the requirement that a borrower's down payment funds come from legitimate sources. No information is available for this page. San Bernardino County Gift Deed Form. Fill in the blank form formatted to comply with all recording and content requirements.