The Earnest Money Gift Letter serves as a crucial document in U.S. real estate transactions where homebuyers receive financial assistance from family members or permitted donors for their earnest money deposit. This document is typically required by mortgage lenders to verify that the funds are truly a gift and not a disguised loan that could affect the buyer's debt-to-income ratio. The letter must comply with federal regulations, including FHA guidelines when applicable, and state-specific requirements. It provides essential documentation for tax purposes and helps prevent money laundering by clearly establishing the source and purpose of funds.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership of your docs
1. Donor Information: Full legal name, address, and contact information of the person giving the gift
2. Recipient Information: Full legal name, address, and contact information of the person receiving the gift
3. Property Information: Address and details of the property being purchased
4. Gift Amount Declaration: Specific dollar amount being gifted and statement that it is a gift with no repayment expected
5. Relationship Declaration: Statement of the relationship between donor and recipient
6. Source of Funds: Statement describing the origin of the gift funds
7. Signatures: Signature blocks for donor and recipient with date
1. Additional Donor Certification: Additional certifications or statements required by specific mortgage lenders
2. Wire Transfer Details: Banking information and wire transfer instructions when gift will be transferred electronically
1. Proof of Funds Documentation: Bank statements or other documentation showing donor has funds available
2. Transfer Documentation: Wire transfer receipts or check copies showing transfer of funds
3. Identification Documents: Copies of donor's identification documents when required by lender
Find the exact document you need
Mortgage Warranty Deed
A U.S. legal document that transfers property ownership while creating a security interest for the mortgage lender.
Download
Letter Of Explanation For Address Variation
A U.S. formal document explaining differences in reported addresses to maintain regulatory compliance and establish credibility with institutions.
Download
Rent Verification Letter For Mortgage
A US-compliant formal letter from a landlord verifying a tenant's rental history for mortgage application purposes.
Download
Remote Letter For Mortgage
A U.S. legal document establishing terms for remote mortgage processes and digital closings.
Download
Relationship To Borrower Gift Letter
A U.S. legal document verifying that funds provided to a property borrower are a gift and not a loan requiring repayment.
Download
Loss Mitigation Letter From Mortgage Company
A U.S.-compliant formal communication offering mortgage assistance options to borrowers facing payment difficulties.
Download
Letter Of Explanation For Mortgage Large Deposit
A U.S. regulatory document explaining the source and nature of significant deposits in mortgage applicants' bank accounts.
Download
Bailee Letter Mortgage
A U.S. legal document confirming a bailee's acknowledgment of a secured party's interest in held goods or documents under UCC regulations.
Download
Mortgage Payoff Request Letter
A formal U.S. document requesting the total amount needed to satisfy a mortgage loan, compliant with federal and state regulations.
Download
Job Correlation Letter For Mortgage
A U.S.-compliant employment verification document used to confirm employment status and income for mortgage lending purposes.
Download
Housing Loan Letter
A U.S.-compliant formal document from a lender outlining mortgage loan terms and conditions.
Download
Earnest Money Gift Letter
A U.S. legal document certifying that earnest money funds are a genuine gift with no repayment obligation.
Download
Request Letter To Bank For Release Mortgage Property
A formal U.S. legal document requesting a bank to release their claim on a property following full mortgage repayment.
Download
Occupancy Letter For Mortgage
A U.S. legal document where mortgage borrowers declare their intention to occupy the property as their primary residence.
Download
Gift Of Equity Letter For Mortgage
A U.S. legal document that confirms the transfer of home equity as a gift from seller to buyer, typically used in family property sales.
Download
Employment Gap Letter For Mortgage
A formal U.S. document explaining employment gaps to mortgage lenders during the loan application process.
Download
Mortgage Verification Letter
A U.S.-compliant formal document issued by mortgage lenders to verify loan details, terms, and payment status for third-party requests.
Download
Mortgage Loan Letter
A U.S. regulatory-compliant document outlining mortgage loan terms and conditions between a lender and borrower.
Download
Home Loan Request Letter
A formal U.S. document requesting a home loan from a lending institution, subject to federal and state lending regulations.
Download
Reverse Mortgage Deed
A U.S. legal document securing a reverse mortgage loan against a property, enabling senior homeowners to borrow against their home equity.
Download
Relocation Letter For Mortgage
A U.S.-compliant formal notification to a mortgage lender regarding property relocation and associated mortgage considerations.
Download
Reinstatement Letter Mortgage
A U.S. legal document that specifies terms and conditions for bringing a defaulted mortgage back to current status.
Download
Mortgage Default Letter
A U.S. legal notice from a lender to a borrower regarding mortgage payment default and required remedial actions.
Download
Authorization Letter For Mortgage
A U.S. legal document granting permission to access and process mortgage-related information and documentation.
Download
Letter To Mortgage Company
A formal written communication from a borrower to their mortgage lender in the US, used for loan-related requests or inquiries.
Download
Employment Confirmation Letter For Mortgage
A U.S.-compliant formal document verifying employment details for mortgage lending purposes.
Download
Mortgage Application Form
A U.S.-compliant form for mortgage loan applications that collects applicant information and financial details for lender evaluation under federal regulations.
Download
Mortgage Agreement Form
A U.S. legal document establishing the terms and conditions of a loan secured by real property, compliant with federal and state lending regulations.
Download
First Payment Letter Mortgage
A U.S. mortgage document that outlines the borrower's first payment details and ongoing payment obligations.
Download
Discharge Of Mortgage Form
A U.S. legal document that releases a lender's security interest in a property after full mortgage repayment.
Download
Mortgage Release Deed
A U.S. legal document that releases a lender's security interest in a property after mortgage satisfaction.
Download
Hardship Mortgage Letter
A formal U.S. document from a borrower to their mortgage lender explaining financial hardship and requesting payment relief.
Download
Mortgage Loan Denial Letter
A U.S.-compliant formal notification to mortgage loan applicants explaining why their loan application was denied.
Download
Paid In Full Letter From Lender
A U.S.-compliant formal document from a lender confirming complete satisfaction of a debt obligation.
Download
Letter Of Intent For Mortgage
A preliminary U.S. real estate document expressing intent to obtain mortgage financing, outlining proposed terms and conditions.
Download
Release Of Mortgage Document
A U.S. legal document that officially cancels a mortgage lien after full payment of the loan.
Download
Payoff Letter From Lender
A U.S. legal document issued by a lender stating the exact amount required to fully satisfy a loan obligation.
Download
Pre Approval Letter For Mortgage Loan
A U.S. lender-issued document confirming preliminary approval for a mortgage loan up to a specified amount, subject to conditions.
Download
Gift Letter For Mortgage
A U.S. legal document verifying that funds provided for a mortgage down payment are a gift with no repayment obligation.
Download
Private Mortgage Loan Agreement
A U.S.-governed agreement establishing terms for a private mortgage loan, including security interest in property and compliance with federal and state lending regulations.
Download
Genie’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; Genie’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)
.png)