Before you get an FHA mortgage for a new or existing home, your loan and closing checklists will help you prepare properly for the loan process. Take the time to discuss the items on these checklists with your realtor and loan officer.

FHA.com: Home Purchase and Refinance Loans

FHA Loan Programs for 2023

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

FHA Requirements

A Good Loan Checklist Creates a Smooth Application

FHA Loan Checklist

Before you start the FHA loan process, be prepared to provide some information to your loan officer. Have it ready now to save time later.

  • Address to your place of residence (past two years)
  • Social Security numbers
  • Names and location of your employers (past two years)
  • Gross monthly salary at your current job(s)
  • Pertinent information for all checking and savings accounts
  • Pertinent information for all open loans
  • Complete information for other real estate you own
  • Approximate value of all personal property
  • Certificate of Eligibility and DD-214 (for veterans only)
  • Current check stubs and your W-2 forms (past two years)
  • Personal tax returns (past two years), current income statement and business balance sheet for self-employed individuals

In addition, you will need to pay for a credit report and appraisal of the property.

As the buyer and borrower, you will have items on your checklist that are required by your lender, the seller, and even the title company.

The closing checklist covers all the fees to be paid, the information to be provided, and the disclosures to be signed before the title is conveyed to you. Having this checklist ready helps you stay on track as a buyer, and ensures that your closing goes the way you expect.

  • IDENTIFICATION
    All parties at the closing should have valid ID.
  • POLICY OF TITLE INSURANCE
    You must pay for title insurance that guarantees the property is free of previous claims or liens.
  • INSURANCE
    Before you can close on the property, you need to secure homeowner’s insurance, which insures the property in the case of damage.
  • CLOSING FUNDS
    You must bring all funds agreed upon, in the form of a cashier’s check or via electronic wire.

Take the time to discuss the items on your checklist with your realtor, to make sure there is nothing you’re forgetting, and to have the peace of mind that after the closing settlement you’ll be able to move into your new home.

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

Home Loan Terms You Should Know

September 25, 2023 - If you are new to buying or building a home, there are some important home loan terms to be aware of. Do you know what amortization is? Mortgage insurance? We examine some of the key terms here.

FHA Loan Limits: What to Know

September 24, 2023 - What do you need to know about FHA loan limits? Some borrowers look at the loan limits, thinking that’s the total amount that the lender will offer them if the loan application is approved and expect to borrow that maximum amount.

FHA Loans: Are They Assumable?

September 23, 2023 - ABC News ran an article noting that some borrowers can get into a home loan with mortgage rates as low as three percent. How is this possible in an era where mortgage loan rates are at seven percent? What the article is talking about is the process of loan assumption.

When You Need More Time to Prepare for a Home Loan

September 22, 2023 - How do you know if you are being too hasty when applying for a home loan? We aren’t talking about whether or not you should buy a particular home or not, but rather whether you as a potential borrower have given yourself enough time to prepare for the application.

How not to Make Your Down Payment on an FHA Loan

September 20, 2023 - Down payment issues may vary for any home loan, whether it is an FHA loan, a VA mortgage, or a USDA construction loan. But there are some things all mortgages have in common where down payment money is concerned. The earlier you know these issues, the better.