What documents and down payment does a foreign buyer need?
By AbeAugust 12, 2026Foreign National Loans
Short Answer
Requirements vary by lender, but a foreign buyer commonly needs identification, proof of address, asset statements, source-of-funds documentation, and evidence supporting income, credit, or property cash flow. Down payments are typically larger than for standard owner-occupied U.S. loans.
Full Detailed Answer
Possible documents include a passport, visa when applicable, foreign bank statements, employment or business records, accountant letters, credit references, purchase contract, and entity documents. Documents may need certified translation or currency conversion.
The minimum down payment depends on the property, occupancy, loan size, country, credit profile, reserves, and program. The borrower may also need a U.S. bank account or other closing arrangements, depending on the lender and settlement agent.
International wires must be planned and documented. Anti-money-laundering, sanctions, and source-of-funds reviews can delay a transaction if addressed late.
What Abe Will Review
- Identity and residency documents
- Income, assets, and credit references
- Source of funds and currency transfer
- Property and entity documentation
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