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Day 29/30: FHA requires 60 days of bank statements (2 months) when applying for a mortgage. Many people simply provide their checking account statement, but lenders are reviewing much more than just the current balance. We are looking to verify: • Do you have enough funds for your down payment and closing costs? • Where is the down payment coming from? • Do you have any reserves or savings available after closing? • Are there any large deposits that need to be explained? A general FHA guideline
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