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. This guide explains how to document gift funds for a mortgage and meet lender requirements. A gift letter is a note from a donor to your lender regarding cash funds for your mortgage down payment.