: Issued by your lender after verifying your income and credit, this document sets your budget and proves to sellers that you are a serious, qualified buyer.
: Usually required by the bank to protect their loan.
: A mandatory document in most regions where the seller must list all known issues, from structural cracks and roof leaks to environmental hazards like lead-based paint. Phase 2: The Core Legal Foundation legal documents for buying a house
These documents ensure the physical and legal integrity of the property itself.
Once your offer is accepted, you enter the "under contract" phase. The documents here form the legal framework of the deal. : Issued by your lender after verifying your
Essential Documents for a Residential Real Estate Transaction
The Ultimate Guide to Essential Legal Documents for Buying a House in 2026 Phase 2: The Core Legal Foundation These documents
: Your lawyer or title company examines public records to ensure the seller has the legal right to sell. It flags "encumbrances" such as unpaid property taxes, liens, or old mortgages that must be cleared before you take ownership.