Free Gift Letter Templates (Word, PDF)
Life
by zacharyslawa
When family money helps cover a down payment, lenders want proof it's a gift and not a loan, and a gift letter provides exactly that. This set of 35 gift letter templates covers mortgage gifts, equity gifts, and general money gifts, with space for the amount, the relationship, and a statement that no repayment is expected. Home buyers and their relatives can satisfy underwriting requirements with the right wording.
Each template is editable in Microsoft Word and ready as a clean PDF for printing and signing. Fill in the names, amount, and date, then sign and hand it to your lender. Mortgage gift rules vary by lender and loan type, so confirm the exact requirements with yours before submitting. Download the version you need and get the paperwork squared away.
When to use this Gift Letter template
- A first-time homebuyer in Colorado needs proof their aunt’s $20,000 down payment is a true gift to their lender, not a loan. They need a clear, legally defensible gift letter to avoid loan denial.
- A parent in Florida wants to help their adult child with medical debt but must confirm to creditors the $15,000 is a gift, not a shared obligation. A structured gift letter protects both parties.
- A couple in Texas inherits $50,000 and wants to gift it to their daughter for a wedding without triggering gift tax rules. They need a letter specifying the amount and ‘no repayment’ clause.
- A real estate investor in New York secures multiple cash offers on a property and wants to counter with a $100,000 gift from a family member. The gift letter must satisfy the bank’s underwriting team immediately.
Which format should I download?
The PDF format is ideal here because it’s universally accepted by lenders and financial institutions, reducing back-and-forth with underwriting teams. Choose PDFs for mortgage-related gifts, equity transfers, or any scenario where digital submission is required. Word format works best if you need to customize the letter further—like adding handwritten notes or specific clauses—before converting it to PDF for submission. Avoid Word if the lender explicitly requests a signed PDF.
Choose from 35 Gift Letter Templates
Gifted Letter
Gift Letter Pdf
Gift Letter Sample
Letter Of Gift
Sample Gift Letter
Gift Letter
Gift Letter For Car
Gift Letter Example
Mortgage Gift Letter
Gift Money Letter
Fha Gift Letter
How to use this Gift Letter template
Do lenders accept generic gift letters, or do they need specific details like the giver’s relationship to the recipient?
Lenders require detailed gift letters with the giver’s full name, relationship to the recipient, gift amount, and a clear ‘no repayment expected’ clause. Generic letters risk loan denial because they don’t prove the funds are truly a gift and not a disguised loan. Always include bank records or a check stub as supporting documentation.
Can a gift letter be used for non-real-estate purposes, like helping a child pay off student loans or covering medical bills?
Yes, but the purpose must be clearly stated. For student loans or medical debt, specify the exact amount and purpose (e.g., ‘gift for [Child’s Name]’s outstanding student loan balance’). Creditors or lenders may still ask for proof of the debt, so keep the letter concise and attach relevant statements. Avoid vague language like ‘personal financial assistance.’
What happens if the gift letter doesn’t include the giver’s signature, but the lender requests it?
Most lenders require the giver’s signature to validate the letter, as it legally binds them to the ‘no repayment’ condition. If you submit a template without a signature, the lender may reject it or ask for a new one. Print the PDF, sign it, and scan it back in before submitting. Never rely on an unsigned template alone—always confirm the lender’s exact requirements first.
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