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Rocket mortgage gift letter

How to Write a Gift Letter for Your Mortgage 2026

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The document is a gift letter certifying that a donor has made a monetary gift to a recipient for the purpose of purchasing property. It states that no repayment is expected, the funds are not sourced from parties with an interest in the property sale, and includes warnings about the legal implications of false statements. The document requires signatures from both the donor and recipient, along with evidence of fund transfer.

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Click ‘Get Form’ to open it in the editor.
Begin by entering the applicant's name and loan number at the top of the form. This identifies who is receiving the gift.
In section (1), specify the amount of the gift and indicate your relationship to the recipient. This establishes the context of the gift.
For section (2), provide the property address where this gift will be applied. This links your financial support directly to their home purchase.
In section (3), confirm that no repayment is expected, ensuring clarity on the nature of this gift.
Complete section (4) by affirming that no funds were sourced from parties with an interest in the property sale, maintaining compliance with regulations.
Fill in section (5) with details about the source of your gift, then sign and date as required. The borrower should also sign to acknowledge receipt.

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How do you prove a gifted deposit for a mortgage?

Give a gifted deposit letter Give your conveyancer a letter that confirms the deposit is a gift. This is also called a declaration letter. It declares that the person who gave you the gift doesnt expect you to pay it back.

Do you need a gifted letter for a mortgage?

Youre fine without a gift letter. If the funds cant be sourced and seasoned, and there isnt a gift letter, your lender would ``back out the funds that are ineligible to be sourced, meaning they cant be used as down payment or reserve funds when the file is underwritten.

Can I get a mortgage with gifted money?

If part or all of your house deposit has been gifted, a mortgage lender may ask for proof that its a gift. A gifted deposit letter shows that youre not expected to pay the amount back. This is sometimes referred to as a gifted deposit declaration. A gifted deposit letter is signed by the gifting party or parties.

How do you show proof of gift money?

A gift letter is a formal document proving that money you have received is a gift, not a loan, and that the donor has no expectations for you to pay the money back. A gift can be broadly defined to include a sale, exchange, or other transfer of property from one person (the donor) to another (the recipient).

How are gift funds verified for mortgage?

When you receive money as a gift towards a home purchase, mortgage lenders will ask for a gift letter as proof. A gift letter for a mortgage is a written statement confirming that the gift money you receive from a family member or friend is a gift, not a loan.

fillable gift letter for mortgage

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How do you write a proof of gift letter?

Gifted deposit letter Their name. Your name. The total amount given. A statement that its a gift and the person does not expect repayment. Confirmation that the gift giver has no stake in the property. Confirmation that the gift giver can afford to give you the money.

How do you write a gift letter for a mortgage?

When writing a gift letter to share with your mortgage lender, youll usually need to include the following: The gift amount. The date you received the gift money. The address of the property you plan to purchase. Your relationship with the gifter. The gifters name, address, and phone number.

How to prove gift money for a mortgage?

If its a regular conventional loan then all you should need to provide is a basic ``gift letter or ``gift affidavit and a front/back copy of the cashed gift check. If, however, youre doing an FHA or VA loan then bank statements from the donor will be required.