Requirements
Does FHA require tax returns?
Short answer
Yes, generally — usually the most recent 2 years of personal returns, plus business returns for self-employed borrowers.
Plain-English explanation
Some W-2-only files can clear with W-2s + pay stubs and a 4506-C IRS transcript without full returns, but tax returns are commonly requested and almost always run for self-employed and 1099 income.
What can change the answer?
Income type, employment history, debt ratio, reserves, automated underwriting findings, and lender overlays 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 Requirements
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.