Personal

• Driver’s license
• Social Security card
• Divorce decree (if applicable)
• Proof of veteran status (for VA loan)

Employment/Income

• Federal income tax returns for the previous two years
• W-2 forms for the previous two years
• Pay stubs for the previous 30 days
• Proof of additional income, such as Social Security benefits, child support, or alimony (if applicable)
• Previous two years’ and year-to-date profit and loss statements (if self-employed)
• Balance sheet for the most recent quarter (if self-employed)

Assets

• Statements for checking and savings accounts for the last three months
• Statements for retirement funds and other investments for the last three months
• If part of the down payment comes from a gift, a gift letter stating that the funds do not need to be repaid

Liabilities

• Most recent statements for credit cards, loans, and other credit
• Canceled checks (or other proof of payment) for rent or mortgage for the last 12 months
• Court documentation for bankruptcy or judgment (if applicable)
• Listing agreement or sales contract for current home (if applicable)

Property

• Sales contract
• Proof of earnest money deposit
• Proof of homeowners insurance (needed before closing)
• Contact information for homeowners association (if applicable)

Note: Lenders can have different documentation requirements. Be sure to confirm with your lender what documentation you need to provide.

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