🏡 Home Purchase Loan – Basic Document Checklist

🔹 Universal (All Loans)

These are needed for every home purchase loan:

• Borrower Identification

  • Driver’s License / Government-issued ID

  • Social Security Card (if requested)

• Income Documentation

  • Most recent 30 days of paystubs (covering YTD income)

  • Last 2 years of W-2s

  • Last 2 years of federal tax returns (if self-employed or commissioned)

• Asset Documentation

  • Most recent 2 months of bank statements (all pages)

  • Documentation of large deposits

  • Retirement/investment statements if used for funds

• Property Documentation

  • Purchase contract (fully executed) -All Addendums

  • Earnest money deposit check copy / cleared check

  • Homeowners insurance quote/binder

🟦 Conventional Loan (Fannie Mae / Freddie Mac)

• Standard Universal Docs above

• If Self-Employed:

  • 2 years business tax returns

• Gift Funds (if applicable):

  • Gift letter

  • Donor’s proof of funds & evidence of transfer

🟩 VA Loan

• Standard Universal Docs

• VA-Specific:

  • Certificate of Eligibility (COE)

  • DD-214 (Veterans, discharged)

  • Statement of Service (Active Duty)

  • VA Form 26-1880 (if needed for COE)

  • VA Loan Analysis form (lender side)

  • Child care expense form (if applicable)