What documents do I need for an FHA pre-approval?
Two months of pay stubs, two years of W-2s and tax returns, two months of bank statements for every account, government ID, and authorization for a credit pull. Self-employed adds two years of business returns.
Plain-English explanation
Additional docs come up depending on the file: gift letters and donor proof of funds for any gift, divorce decrees if alimony or child support is involved, bankruptcy discharge papers if applicable, VA-style DD-214 (irrelevant here), explanation letters for any large deposits or credit issues. Get everything ready before you write — Florida purchase markets move.
What can change the answer?
Florida insurance premiums, property tax millage and exemptions, HOA dues, CDD fees, county loan limits, and condo approval status can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Florida
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.