New purcahse can always use gif money but not refinance. You need to have: 1. Gift letter, which is prepared by the loan agent and doner need to sign 2. Gift source. If the money coming from China, you need to show the wiring transaction and receipt. 3. some lenders need to see donors' account to make sure the money is really out of the true source but some lender doesn't. 4. your account statement to show the money in.