H1B Home Buying Checklist (2026)

1) Pre-Approval Readiness

• Last 2 years W-2s (if available)
• Last 2 years tax returns (if filed)
• Last 2 months pay stubs
• Last 2 months bank statements
• Employment verification letter

2) H1B / Visa Documents

• Passport copy
• Visa stamp copy
• I-94 record
• I-797 approval notice
• Employer support letter (if requested by lender)
• Any pending extension receipt notices

3) Down Payment + Closing Costs

• Target down payment amount
• Reserve fund after closing
• Gift funds documentation (if applicable)
• Estimated closing costs reviewed with lender

4) Property Search Filters

• Budget ceiling and monthly payment comfort range
• Commute preferences
• School district priorities
• HOA vs non-HOA preference
• Single-family vs condo/townhome

5) Offer Strategy

• Proof of funds ready
• Pre-approval letter updated within 14 days
• Inspection strategy discussed
• Appraisal gap plan (if needed)
• Closing date flexibility defined

6) Underwriting Preparation

• Avoid major credit changes during escrow
• Avoid new debt obligations
• Keep documentation ready for conditions
• Respond to lender requests within 24 hours

7) Final Closing Prep

• Final loan estimate reviewed
• Homeowners insurance binder in place
• Final walk-through scheduled
• Wire instructions verified directly with title/attorney