Margaret L gave you an excellent answer.
There is another issue you need to consider. Even though your finance is the only person on the loan, your name should be on the deed as joint owner. The lender probably required a gift letter because you were not a coborrower and your fiance did not have the funds needed for a downpayment. I assume that once you have an income, you will each contribute to the loan payments and to the household expenses in an amount proportional to your income.
Having your name on the deed will protect your financial interest in the property in the event you split up or your finance passes away before you are married.
