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. We'll also show you how to write a gift letter with a gift letter template so you can help your donor prepare for underwriting. A gift letter is an important, formal, legal piece of documentation that can help explain that a (usually rather large) sum of money was gifted to you. What should you include in a gift letter?