Mortgage Gift Letter Template
The gift letter underwriters expect: donor, amount, relationship, and a clear no-repayment statement.
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Here’s the opening of this letter so you can see the format and tone. The complete, ready-to-send version, with every section written out, comes in the editable DOCX & PDF download.
[Donor Full Name]
[Donor Address]
[City, State ZIP]
[Phone] · [Email]
[Date]
[Lender / Mortgage Company Name]
Attn: Underwriting Department
[Lender Address]
[City, State ZIP]
RE: Gift Funds for [Borrower Full Name], Loan No. [Loan Number], Property at [Property Address]
To Whom It May Concern:
I, [Donor Full Name], am providing a gift of $[Amount] to [Borrower Full Name], who is my [relationship, e.g., daughter], to be used toward the purchase of the property located at [Property Address, City, State ZIP].
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When to Use This Template
Use this when anyone gives you money toward buying a home and your lender asks for gift documentation. It contains the statements underwriters look for: the donor’s details, the amount, your relationship, the source of funds, and confirmation that no repayment is expected.
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Get Complete Library for $119Frequently Asked Questions
What is a mortgage gift letter?
A signed statement from the person giving you money toward a home purchase, confirming the amount, your relationship, the source of the funds, and, most importantly, that the money is a gift with no repayment expected. Lenders require it whenever gift funds appear in your transaction.
What must a mortgage gift letter include?
Include the donor's name, address, and phone; the relationship to the borrower; the exact gift amount; and the property address. Also include the source of the funds (bank and account), the donor's signature, and an explicit statement that no repayment in any form is expected or required.
Does a gift letter need to be notarized?
Rarely, lenders normally accept a signed letter, because they verify the money trail separately with bank statements and transfer records. Follow whatever your lender's checklist asks for.
Do gift funds have tax consequences?
The recipient generally owes nothing, but a donor whose gifts to one person exceed the annual gift-tax exclusion (adjusted each year) may need to file IRS Form 709. That is a filing requirement, not necessarily a tax bill, consult a tax professional about your situation.
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Important Disclaimer
This template is provided for informational and educational purposes only and does not constitute legal, financial, medical, or professional advice. Every situation is unique. You should consult with a qualified attorney or licensed professional before sending any formal correspondence, especially for matters involving legal rights, government agencies, financial disputes, employment issues, or family court proceedings. Use of this template does not create an attorney-client or professional-client relationship. Formal Letter Templates is not a law firm and does not provide legal services.