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How many months of bank statements do I have to provide?

A lender will always require you provide bank statements as part of your mortgage application. Bank statements give a lender an up close and personal view of your finances — which is crucial when determining just how much money you can qualify for.

How far in the past you’ll need to go to get your bank statements ultimately depends on the mortgage product. See below:

  • Fannie Mae: (Conventional): 2 months
  • Freddie Mac: (Conventional):1 month
  • FHA: 2 months
  • USDA: 2 months
  • VA: 2 months


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To learn more about what documentation you will need as apart of the mortgage application process, be sure to download Blue Water’s Mortgage Documents Checklist.

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