A proof of funds letter is a signed letter that shows you have enough money for a specific purpose, such as buying a home, renting an apartment, buying a business or studying in the United States.
It states the balance, the account and the date, explains the source of the money and attaches your statements.
Below are 6 complete samples: a cash home offer, a bank letter, a student sponsor letter, a letter explaining a large deposit, a landlord letter and a business purchase letter.
A free builder lets you tap, edit, print or copy your own letter. The people, banks and balances are fictional.
This page is general information, not legal or financial advice, so ask the recipient what documents it needs.
6 Proof of Funds Letter Samples
Quick jump: Cash offerBank letterStudent sponsorLarge depositLandlordBusiness purchaseFree proof of funds letter builder
Proof of Funds Letter for a Cash Home Offer
2716 Elm Avenue, Austin, TX 78704
robert.hayes@email.com | (555) 010-3101
November 14, 2026
Ms. Tiffany Brooks
Listing Agent
Bluebonnet Realty Group
1800 Congress Avenue
Austin, TX 78701
Re: Proof of Funds for the Cash Offer on 905 Cedar Lane, Austin, TX 78704
Dear Ms. Brooks,
I am writing to confirm that I have the funds to complete the purchase of 905 Cedar Lane in cash, at my offer of $385,000. As of November 14, 2026, my savings account ending in 2216 at Lone Star Savings Bank holds $298,400, and my money market account ending in 6612 holds $113,600, for a total of $412,000.
All funds are held in my own name and are available to me now. My most recent statements are attached, and my bank is happy to confirm the balances.
The total covers the offer price and my closing costs with room to spare. You may reach me at the number above with any questions.
Thank you for your time and consideration.
Sincerely,
Robert Hayes
Bank Letter Verifying Funds for a Home Purchase
Branch Manager, Prairie Federal Savings Bank, 100 Tryon Street, Charlotte, NC 28202
karen.walker@prairiefederal.example | (555) 010-4212
November 14, 2026
Mr. David Brooks
Closing Coordinator
Summit Title Company
250 Trade Street
Charlotte, NC 28202
Re: Verification of Funds for Emily Carter, Savings Account Ending in 7730
Dear Mr. Brooks,
This letter confirms the balance of the savings account ending in 7730 held by Emily Carter at Prairie Federal Savings Bank. As of November 14, 2026, the account holds $186,400, and it has been open since June 2014.
Ms. Carter has authorized us to share this information for her purchase of a home. Balances change with daily activity, and this letter does not guarantee future balances.
Our branch can confirm these details by phone at the number above, Monday through Friday.
Thank you for your time and consideration.
Respectfully,
Karen Walker
Sponsor Letter of Financial Support for a Student
905 Cedar Lane, Denver, CO 80206
linda.foster@email.com | (555) 010-5323
November 14, 2026
International Student Office
Midland State University
300 University Avenue
Minneapolis, MN 55455
Re: Proof of Financial Support for Thomas Foster, Fall 2027
Dear International Student Office Team,
I am writing as the sponsor of my son, Thomas Foster, to confirm that I will cover his tuition and living expenses for his graduate program beginning in fall 2027. His Form I-20 lists $58,000 for the first year, made up of $34,000 in tuition and $24,000 in living costs.
As of November 14, 2026, my savings account ending in 4408 at Rocky Mountain Credit Union holds $240,000, which covers the first year and more. My most recent bank statements are attached, and I will provide updated statements if you ask.
You may contact me at the number above. I understand that your office may have its own document requirements, and I am glad to meet them.
Thank you for your time and consideration.
Sincerely,
Linda Foster
Proof of Funds Letter Explaining a Large Deposit
1850 Pine Street, Apt 5, Columbus, OH 43206
jessica.miller@email.com | (555) 010-6434
November 14, 2026
Mr. Kevin Mitchell
Loan Officer
Buckeye Community Credit Union
600 High Street
Columbus, OH 43215
Re: Source of Funds for Loan Application, Account Ending in 5538
Dear Mr. Mitchell,
This letter explains a large deposit in my savings account ending in 5538 and confirms my funds for closing on a home. As of November 14, 2026, the account holds $48,000.
A deposit of $14,000 on October 3 came from the sale of my 2018 Honda Accord, and the bill of sale and a copy of the check are attached. The rest of the balance comes from savings built over 6 years of steady salary.
My two most recent bank statements are attached, and my bank can confirm the balance. I would be glad to send any other document you need.
Thank you for your time and consideration.
Sincerely,
Jessica Miller
Proof of Funds Letter for a Landlord
742 Willow Court, Raleigh, NC 27601
brandon.taylor@email.com | (555) 010-7545
November 14, 2026
Ms. Angela Perry
Property Manager
Oakwood Apartments
200 Fayetteville Street
Charlotte, NC 28202
Re: Proof of Funds for Apartment 3B, Lease Starting January 4, 2027
Dear Ms. Perry,
My application for Apartment 3B comes with proof that I can cover 12 months of rent and the security deposit. As of November 14, 2026, my savings account ending in 2216 holds $31,200, and the lease total is $31,200 with the monthly rent of $2,400.
I am relocating to Charlotte for a new job that starts January 4, 2027, and my offer letter is attached along with my latest bank statement. The funds are in my own name and will stay in the account through move-in.
You are welcome to contact my bank to verify the balance, and I am glad to send more documents.
Thank you for your time and consideration.
Sincerely,
Brandon Taylor
Proof of Funds Letter for a Business Purchase
Maria Gonzalez
1124 Palm Avenue, Phoenix, AZ 85014
maria.gonzalez@email.com | (555) 010-8656
November 14, 2026
Mr. Greg Patterson
Business Broker
Sun Valley Business Advisors
2200 Camelback Road
Phoenix, AZ 85016
Re: Proof of Funds for the Purchase of a Neighborhood Bakery
Dear Mr. Patterson,
This letter confirms that I have the funds to move forward on the purchase of the neighborhood bakery listed at $140,000. As of November 14, 2026, my business savings account ending in 9054 at Desert Springs Bank holds $96,500, and my brokerage account ending in 3347 at Lakeshore Investments holds $68,000 in cash and money market funds.
The total of $164,500 covers the asking price and about $24,000 in startup reserves. Recent statements for both accounts are attached, and I can share a letter from each institution.
You may reach me at the number above, and I am glad to sign a confidentiality agreement before sharing more financial details.
Thank you for your time and consideration.
Sincerely,
Maria Gonzalez
Free Proof of Funds Letter Builder
Step 1. Who is the letter for?
Step 2. Where are the funds held?
Step 3. Tap the lines to add. Three to five keeps the letter short.
Step 4. Click any text in the letter below and type or modify to make it yours.
Replace the names, addresses, balances and dates with your own true information, use only the last four digits of an account number, and attach your latest statement. Ask the recipient what documents it needs.
Michael Turner
1420 Birch Street
Columbus, OH 43206
michael.turner@email.com | (555) 010-0931
November 14, 2026
Ms. Rachel Adams
Listing Agent
Heartland Realty Group
350 Monument Circle
Columbus, OH 43215
Ms. Linda Foster
Property Manager
Greenway Apartments
1850 Pine Street, Office
Columbus, OH 43206
International Student Office
Midland State University
300 University Avenue
Minneapolis, MN 55455
Re: Proof of Funds for the Purchase of 1420 Birch Street, Columbus, OH 43206
Re: Proof of Funds for Apartment 5, 1850 Pine Street
Re: Proof of Funds for Graduate Study, Fall 2027
Dear Ms. Adams,
Dear Ms. Foster,
Dear International Student Office Team,
I am writing to confirm that I have the funds to complete the purchase of 1420 Birch Street, for which I have submitted a cash offer of $62,000 through my agent.
I am writing to confirm that I have the funds to cover 12 months of rent and the security deposit for Apartment 5 at 1850 Pine Street, which I have applied to rent.
I am writing to provide proof that I have the funds to cover tuition and living expenses for my first year of graduate study, as listed on my Form I-20.
As of November 14, 2026, my savings account ending in 4821 at Prairie Federal Savings Bank holds $64,500.
As of November 14, 2026, my checking account ending in 4821 holds $12,300 and my savings account ending in 7730 holds $52,200, for a total of $64,500.
As of November 14, 2026, my brokerage account ending in 6612 at Lakeshore Investments holds $64,500 in cash and money market funds.
My most recent bank statement is attached.
All funds are held in my own name.
These funds are available to me now.
The funds come from savings built over 8 years of steady salary.
The funds will stay in the account through closing or move-in.
A letter from my bank is available on request.
You are welcome to contact my bank to verify the balance.
Additional documents are available if you need them.
A deposit of $9,500 on October 3 came from the sale of my vehicle, and the bill of sale is attached.
Balances change with daily activity, so the attached statement is the record.
You may reach me at the number above.
Thank you for reviewing this letter.
Thank you for your time and consideration.
Sincerely,
Michael Turner
To save your letter: press Ctrl+P (Windows) or Cmd+P (Mac) and choose Save as PDF. Only the letter prints. To copy it, select the text inside the letter and press Ctrl+C or Cmd+C.
Which Sample Fits Your Need?
| Your need | Best sample | Key details |
|---|---|---|
| Buying a home with cash | Samples 1 and 2 | Account, balance, date and statements attached |
| Closing with a loan | Sample 4 | Source of any large deposit and two recent statements |
| Studying in the United States | Sample 3 | Cost listed on the I-20 and the sponsor’s balance |
| Renting or buying a business | Samples 5 and 6 | Total needed, total available and the account owner |
How to Write a Proof of Funds Letter: 6 Steps
Step 1. Ask What the Recipient Needs
Sellers, lenders, landlords and schools set their own rules. The CFPB advises asking what documents are required.
Step 2. Open With What the Funds Are For
Start with one clear sentence saying you can cover the purchase, rent or study costs.
Step 3. State the Balance Clearly
Give the account type, last four digits, institution, amount and date. Never share a full account number.
Step 4. Explain the Source
Say where the funds came from, and explain any large deposit with a document.
Step 5. Attach Statements
Attach your latest statements or a bank letter. Lenders often ask for the two most recent statements.
Step 6. Sign by Hand and Keep a Copy
Print, sign and date the letter. Keep copies of everything you send.
What to Include in the Letter
| Part | What to write |
|---|---|
| Your details | Your name, address, email and phone number, plus the date |
| Recipient | The seller’s agent, lender, landlord, school or broker |
| Re line | What the funds are for, such as the address or the program |
| Opening | A clear sentence saying you have the funds and what for |
| Balance | The account type, last four digits, institution, amount and date |
| Ownership | Whose name the account is in |
| Source | Where the money came from, and any large deposit |
| Attachments | Your latest statements or a bank letter |
| Close | A thank you, your signature and a way to reach you |
Documents to Attach
| Attach | When |
|---|---|
| Latest bank statements | Always; two recent statements for a mortgage |
| Bank letter | When the other side wants the bank to confirm |
| Bill of sale or check copy | To explain a large deposit |
| Signed gift statement | When a gift from family is part of the funds |
| Sponsor letter | When someone else covers a student’s costs |
| Offer or lease | To tie the funds to the purchase or rental |
Proof of Funds Facts From CFPB and DHS
| Where | What the source says |
|---|---|
| Mortgage lenders (CFPB) | Lenders are generally required to verify the source of your income and funds for the home purchase |
| Large deposits (CFPB) | Common before a purchase, especially when moving money between accounts |
| Statements (CFPB) | Two most recent bank statements, plus statements showing at least two months of ownership for savings or investments |
| Gift funds (CFPB) | A signed statement from the giver |
| Student visas (DHS) | Funds must cover tuition, books, living expenses and travel for the period of study |
| Acceptable student documents (DHS) | Family bank statements, sponsor documents, financial aid or scholarship letters, or an employer letter showing salary |
| Who checks (DHS) | A designated school official collects evidence before issuing an I-20; schools may set their own rules |
Weak vs Strong Lines
| Weak line | Why it fails | Stronger line |
|---|---|---|
| I have enough money | Gives no number | My savings account ending in 4821 holds $64,500 as of November 14, 2026. |
| My bank can confirm | Names no bank | Prairie Federal Savings Bank can confirm the balance. |
| I got a big deposit | Gives no reason | A deposit of $14,000 came from the sale of my vehicle. |
| The funds are mine | Gives no proof | All funds are held in my own name, and statements are attached. |
| Contact me if needed | Gives no number | You may reach me at (555) 010-0931. |
Mistakes to Avoid
- Leaving out the date. A balance is true only as of a date.
- Sharing a full account number. The last four digits are enough.
- Skipping the source. Explain any large deposit with a document.
- Attaching old statements. Use your most recent ones.
- Using someone else’s account. Show who owns the funds and add a sponsor letter if needed.
- Not asking what is required. Rules differ by lender, landlord and school.
Proof of Funds Letter Checklist
Tick each item as you finish. Your letter is ready when the counter reaches 5.
Frequently Asked Questions
What is a proof of funds letter?
A proof of funds letter is a signed letter, with statements attached, that shows you have enough money for a specific purpose, such as a home purchase, a rental, a business purchase or study costs.
How do I start a proof of funds letter?
Open with one clear sentence saying you have the funds and what they are for. Then give the account type, last four digits, institution, balance and date.
What should a proof of funds letter include?
Your details, the date, the recipient, the purpose, the account balance with the date, who owns the account, the source of the funds, attachments and your signature.
Who writes a proof of funds letter?
You can write it yourself and attach statements, or ask your bank to issue a letter verifying your balance. Ask the recipient which they prefer.
What documents should I attach?
Your most recent bank statements. The CFPB lists the two most recent bank statements for a mortgage, plus statements showing at least two months of ownership for savings or investments.
How do I explain a large deposit?
Say what it was and attach a document, such as a bill of sale or a check copy. The CFPB says large deposits are common before a purchase, but lenders verify the source.
Can gift funds be included?
Yes. The CFPB says gift funds need a signed statement from the giver. Ask your lender for its exact gift letter requirements.
What do students need to show?
DHS says funds must cover tuition, books, living expenses and travel for the period of study, and that a designated school official collects evidence before issuing a Form I-20. Schools may set their own rules.
Should I share my full account number?
No. Use only the last four digits of an account number in the letter.
Does the letter guarantee approval?
No. The seller, lender, landlord or school decides. A clear letter with real statements gives them what they need to decide.
Conclusion
A strong proof of funds letter is clear, dated and backed by real statements. Say what the funds are for, state the balance and the account, explain the source and attach your latest statements. Use the builder above to write your letter today.
Related Reading
- Proof of income letter from an employer
- No income letter samples
- Self declaration letter samples
- Proof of residency letter from a landlord
Sources: Consumer Financial Protection Bureau, Create a loan application packet and Submit documents and answer requests from the lender. U.S. Department of Homeland Security, Study in the States: Financial Ability. The people, banks, accounts and balances are fictional.