NO. But you are required to file a gift tax return if the amount gifted is more than $14K in any one tax year. If this is your fiancé whom you intend to marry, then why bother gifting it? The two of you just buy the house together with both of your names on the mortgage, and on the title. That way, you avoid all this gift tax filing mess. Note that TurboTax does not handle or deal with gift tax returns. You'll have to seek outside professional help for that.
You need to talk with a loan officer that knows what they're doing and has their act together. I say this because my own mother was in the banking industry for 30 plus years and that's why I suspect whoever is advising you is looking out solely for their own interest, and couldn't care less about yours. Seek the advice of multiple loan officers from multiple lenders. The best four words in your vocabulary are "SHOW ME IN WRITING" if they start this crap about "Well, the law says....." Also, there is a difference between "law" and "lender rules & requirements". The law is the same across all lenders. But while their own rules and regulations may dictate different requirements, those rules and regulations MUST be within the requirements of the law. There are federal lending laws, and state lending laws. So be aware of that.
FYI - This is a new forum layout. Some posts that have June 2019 dates are really older posts from the old forum that got moved over. So they might be for prior years and not current info. When they migrated over the dates got changed to June 2019. And the screen shots got deleted.