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Free Gift Letter Generator
Create a gift letter showing who gave the money, how much, and that no repayment is expected.
Enter the donor, recipient, amount and purpose. The letter states that the money is a gift with no repayment, which lenders often ask for with a mortgage application.
How to use the Gift Letter Generator
- Replace the sample figures and text with your own. Placeholders show the level of detail lenders and partners expect.
- Review the live preview, paying attention to totals and the sections people read first.
- Download the PDF and update it each quarter or year so the document always reflects your latest numbers.
What is the Gift Letter Generator?
A gift letter states that money was given freely and does not have to be paid back. Mortgage lenders often ask for one when a buyer's down payment comes from a relative.
Signplify tools run in your browser, so there is no signup, no watermark and no limit on how often you use it.
Getting started with the Gift Letter Generator
Using the gift letter generator takes a minute or two. Your progress is saved in this browser, so you can come back later.
Tips for better results
Name the donor, the recipient, the amount and the date, and keep the bank record of the transfer.
Be accurate about the relationship, as lenders have rules about who can give a gift.
Privacy and where your data goes
Documents and files you use here are processed on your own device. Signplify does not receive what you type or the files you open, which makes it suitable for sensitive information. If you clear your browser data, any saved draft is removed.
Frequently asked questions
Why does a lender want a gift letter?
To confirm the money is a gift and not a loan, which would add to the buyer's debts.
Does a gift letter need to be notarized?
Usually not, but some lenders ask. Check with the lender before you sign.
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