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: You generally need to provide LendingTree and Rocket Mortgage with: 30 days of recent pay stubs. Two years of W-2s and federal tax returns. 60 days of bank statements. 2. Estimating the Total Cost

: Lenders prefer your total monthly debt payments (including the future mortgage) to stay below 36–43% of your gross monthly income.

The sticker price of a home is only one part of the financial picture. Experts from Hometap and Bankrate recommend planning for the following: Buying A House In 2026: A Step-By-Step Guide | Bankrate

Lenders primarily evaluate your eligibility based on the "4 C's": (income), Capital (savings), Credit , and Collateral (the home).