Will my lender accept this gift letter?

Many will, but lenders set their own gift-letter requirements — some have a specific form, exact wording, or extra fields (account numbers, the source of funds). Always confirm with your loan officer first, and use their form if they provide one. This template covers the core statements (donor, recipient, amount, relationship, and the no-repayment certification) most lenders expect.

What does the lender need besides the letter?

Underwriters usually want to trace the money: a copy of the donor's bank statement showing the funds, and proof of the transfer (the withdrawal from the donor and the deposit to the borrower). Gift-fund rules also differ by loan type (conventional, FHA, VA) — your loan officer can tell you exactly what's required for your loan.

Does the gift letter need to be notarized?

Usually not — most lenders only require the donor's signature, not a notary. But requirements vary, so confirm with your lender. This isn't legal or tax advice; large gifts can have gift-tax reporting implications, so ask a tax professional if you're unsure.

Does AttachKit see or store my gift letter?

No. The fill happens entirely in your browser — the PDF is never uploaded, stored, or read by anyone at AttachKit. Your saved donor details stay on your device.

Housing · Gift letter

Fill a mortgage gift letter online — free

When someone helps a homebuyer with down-payment or closing-cost money, the lender requires a signed gift letter from the donor confirming the money is a true gift with no expectation of repayment. AttachKit fills the donor's details and the standard wording, so you can hand the lender a clean letter in minutes.

Who needs it: Parents, relatives, or anyone gifting money toward a home purchase — and the homebuyers who need to give their mortgage lender a donor-signed gift letter.

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Why fill it here

Auto-fill the donor's name, address, phone, and email from your saved profile — enter the recipient, amount, and property manually.
Includes the standard 'bona fide gift, no obligation to repay' language lenders look for.
Your gift letter never leaves your browser. Not stored, not uploaded, not viewed by anyone at AttachKit.
Free to fill (15 signed PDFs/mo on the free tier). Pro tier ($12/mo, or $120/yr) for unlimited.

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Gift letter questions, answered

General information, not legal or tax advice

This page is general information about a commonly-used document. State and local law varies — for advice on your specific situation, consult a licensed attorney in your jurisdiction. AttachKit fills the PDF; you're responsible for whether the contents are right for your case.

Will my lender accept this gift letter?: Many will, but lenders set their own gift-letter requirements — some have a specific form, exact wording, or extra fields (account numbers, the source of funds). Always confirm with your loan officer first, and use their form if they provide one. This template covers the core statements (donor, recipient, amount, relationship, and the no-repayment certification) most lenders expect.
What does the lender need besides the letter?: Underwriters usually want to trace the money: a copy of the donor's bank statement showing the funds, and proof of the transfer (the withdrawal from the donor and the deposit to the borrower). Gift-fund rules also differ by loan type (conventional, FHA, VA) — your loan officer can tell you exactly what's required for your loan.
Does the gift letter need to be notarized?: Usually not — most lenders only require the donor's signature, not a notary. But requirements vary, so confirm with your lender. This isn't legal or tax advice; large gifts can have gift-tax reporting implications, so ask a tax professional if you're unsure.
Does AttachKit see or store my gift letter?: No. The fill happens entirely in your browser — the PDF is never uploaded, stored, or read by anyone at AttachKit. Your saved donor details stay on your device.

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