Gift Letter for Mortgage Templates and Samples

What Is a Gift Letter for Mortgage?

A Gift Letter for a Mortgage is a written statement prepared by the gift donor to support the mortgage borrower's claim that the funds used for the mortgage came from legitimate sources. Browse the links below to download printable Mortgage Gift Letter templates and samples.

Alternate Name:

  • Mortgage Gift Letter.

If you do not have enough money to finance your mortgage and your relative, domestic partner, or close friend provides you with means you may apply to your down payment, it is necessary to document the gift source and record the name of the person whose generosity allowed you to take out a mortgage and live in the house or apartment of your choice.

Gift Letter for Mortgage Types

  1. Generic Gift Letter for Mortgage. Complete this ready-made template to confirm that the mortgage applicant received the money for a down payment from a legitimate source (their family member , partner, or friend). The applicant is legally obligated to prove that the source of their money was legal and the individual who provided the gift agreed that the money would be used to purchase property.
  2. Sample Gift Letter for Mortgage. Use this sample template as a reference when drafting your own Mortgage Gift Letter.

Why Do You Need a Gift Letter for Mortgage?

Before any borrower signs the mortgage agreement with the lender, they must ask the financial institution about the documentation necessary to prove they have enough finances for the mortgage down payment. If you are being helped by your family member or close acquaintance to pay for the mortgage - whether this is a down payment or just a regular mortgage payment you will be asked to make in the future - you need to show you were gifted the money. Ask the giver to complete a Mortgage Gift Letter template to confirm they have given you their money, these funds did not come from somewhere illegal, and they do not want you to ever pay back the indicated sum.

Not what you need? Take a look at the related templates below:




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Use this sample letter to confirm that you are making a gift of money to another individual who will use it for a mortgage.

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