Below is a list of the most common forms you may encounter when you apply for a mortgage.
The mortgage forms below include sample disclosures and the loan application. They also cover 203k, VA, USDA and FHA loans, plus gift letters. Under each link, you’ll find what the form does, who handles it and when it comes up.
Sample Mortgage Forms for All Loan Types:
Loan Estimate (CFPB sample form and guide)
Lenders must send it within three business days after receiving your application. It shows your estimated monthly payment and closing costs, so you can compare lenders.
Closing Disclosure (CFPB sample form and guide)
You must receive it at least three business days before closing. Compare it with your Loan Estimate, then use the CFPB guide to check each detail.
Loan Application (URLA or 1003)
Your lender uses this form to collect your personal, employment and income details. It is Fannie Mae Form 1003, also called Freddie Mac Form 65.
Mortgage Forms for 203k Loans:
HUD 203k Calculator
HUD’s public calculator estimates the maximum mortgage amount for a 203(k) loan. It handles Standard and Limited 203(k) loans, for both purchases and refinances.
Contractor W9 (IRS)
Contractors use it to give their taxpayer ID number to payers who report income to the IRS. The IRS keeps the current revision on this page.
203k Homeowner/Contractor Agreement PDF
This MMI sample sets the price, start date, warranty and payment terms with your contractor. HUD requires a written contractor agreement, but your lender or 203(k) consultant may replace this sample with its own.
Editable 203k Homeowner/Contractor Agreement
This Word version of the same sample lets you type in names, prices and dates. Ask your lender first, because it may prefer its own form.
203k Self Help Agreement (HUD sample)
Sign this if you’ll do your own repairs or act as general contractor. In addition, your lender must document that you are a licensed contractor or have rehab experience.
Editable 203k Self Help Agreement
This MMI Word file is easy to fill in, but it is not HUD’s sample. Your lender or 203(k) consultant may replace it with its own form.
203k Borrower’s Acknowledgement HUD-92700-A
Your lender must give you this HUD form before closing. It explains the repair escrow, draw requests and holdbacks, and you sign to show you read it.
Bid Checklist Sample PDF
This MMI sample checks each contractor’s bid against the homeowner/contractor agreement, signatures and permits. Use it to spot missing items while you collect bids.
Editable Bid Checklist
The Excel version lets you list your own contractors and bid amounts. Your lender or 203(k) consultant may use its own checklist instead.
VA Loans:
Request for Certificate of Eligibility (VA Form 26-1880)
Use this form to ask VA for a home loan COE. You then bring the COE to your lender to prove you qualify for a VA loan.
VA Purchase Contract Escape Clause
VA requires this clause in the sales contract for every VA-guaranteed loan. It lets you cancel without losing earnest money when the price exceeds the value VA sets.
VA Form 26-1820 (replaced 26-1802a)
Lenders use this form to report a closed loan to VA for its guaranty. You and any co-borrower sign it during closing.
USDA Loans:
USDA Form RD 3555-21
Your lender uses this form to ask USDA for a loan guarantee. Both you and the lender certify on it that you can’t get other credit on terms you can reasonably meet.
FHA Loans:
FHA Application Addendum 92900-A
Your lender completes this HUD addendum to your loan application on FHA loans. You sign page two at application and the complete final form later.
Gift Letters:
Editable Gift Letter
This MMI Word template documents money a relative or other donor gives you for your purchase. FHA lenders must get a letter signed by you and the donor stating no repayment is required.
Gift Letter Template PDF
This filled-in sample shows the donor details and gift amount a lender looks for. Your lender may still give you its own gift letter form, though.
Tim Lucas (NMLS #118763), Contributor/Editor
Tim Lucas is a mortgage writer with over 11 years of experience as a loan originator, processor, and team manager. Get a live rate quote for your home purchase or refinance at MyMortgageInsider. Visit Tim on Twitter.