What a full file often includes
Pay stubs, W-2s, and tax returns support income. Bank statements support the down payment and reserves. A gift needs a paper trail if the program allows gifts.
Self-employed income is documented differently from a salary. The affordability calculator cannot tell which income a lender will count.
What to do with the numbers
Use the documents to fill in gross monthly income and the debts that will remain. Then run DTI and affordability.
Keep the documents for the lender. The contact page asks you not to send them here.
| Document | Field it informs |
|---|---|
| Pay stub | Gross income |
| Credit report or statements | Monthly debts |
| Bank statement | Down payment and reserves |
| Loan estimate | Rate, APR, and costs |
Calculators
Related guides
Sources
Common questions
Can I upload my documents here?
No. There is no upload. The email address is for corrections, not for an application.
How many months of statements?
Lenders set that. Two months is a common request and not a rule this site can promise.