Free Gift Letter Template
Confirm that money given for a home purchase is a genuine gift and not a loan with a printable gift letter. Lenders often require this letter to document down payment funds, so it states the donor, the recipient, the amount, the relationship, and that no repayment is expected. Fill in the details and print a copy ready to sign.
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GIFT LETTER
To Whom It May Concern:
I, ________________, of ________________, am writing to confirm that I am making a monetary gift to ________________, who is my ________________.
1. AMOUNT AND DATE. The amount of the gift is $ ________________. The funds were given or will be given on ________________.
2. PURPOSE. These funds are provided to help the recipient with the purchase of the property located at ________________, and may be applied toward the down payment, closing costs, or reserves.
3. SOURCE OF FUNDS. The source of these gift funds is: ________________. The funds are my own and are not borrowed.
4. NO REPAYMENT EXPECTED. I certify that this is a bona fide gift. There is no obligation, expressed or implied, for the recipient to repay this money in whole or in part, whether in cash, services, or otherwise. No part of the gift comes from any party interested in the sale of the property.
5. VERIFICATION. I understand that this letter may be relied on by the recipient's lender. I may be contacted at ________________ to verify the information in this letter. This letter is dated ________________.
This is a general template and not legal advice. Lenders and loan programs have their own gift letter requirements, documentation rules, and limits on gift funds, and tax rules may apply to large gifts. Confirm your lender's requirements and consult a tax or legal professional before relying on this document.
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Questions
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These are professionally structured templates using standard clause language. Whether a completed document is legally binding depends on your state's requirements, proper signing (and notarization or witnesses where required), and your specific situation. For anything high-stakes, have an attorney review it. Nothing here is legal advice.
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Will this hold up if it needs to be signed or notarized?+
The template includes signature lines. Some documents need witnesses or a notary to be enforceable in your state. Check your state's requirements before signing, and use a notary where one is required.