Proof of Funds Letter Generator
Create a proof of funds letter from a free template in a couple of minutes: a draft for your bank to issue, or a signed statement of your balances. See the sample letters below. For real estate offers, investments, business acquisitions, and loans. No sign-up, and nothing leaves your browser.
A draft for your bank to review and issue on its letterhead. Bring it to your branch or banker to speed things up.
[Bank name]
November 11, 2026
Re: Proof of Funds for [Account holder name]
To Whom It May Concern,
This letter confirms that [Account holder name] maintains the following accounts with [Bank name], in good standing, with the available balances shown as of November 11, 2026:
• checking account ending in [####]: [$ balance] • savings account ending in [####]: [$ balance]
The combined available balance is [$ total].
This letter is provided at the account holder’s request for the purchase of real estate. It reflects balances on the date above and is not a guarantee of future balances. To confirm this letter, please contact me at [phone or email].
Sincerely,
[Bank officer name]
[Title]
[Bank name]
Nothing you type leaves your browser. Only use the last 4 digits of account numbers. A bank letter only counts once the bank issues and signs it; Income Checker doesn't check or confirm what's in either letter.
Skip the letter: show it straight from your bank
Banks can take days to issue a letter, and sellers and deal teams know letters can be edited. Connect your bank read-only and share a report of balances and deposit history pulled directly from the source.
See bank-connected proof of fundsWhat a proof of funds letter needs to show
- The account holder's full name, matching the name on the offer or application
- The bank or brokerage holding the funds
- Account type and the last four digits of each account
- The available balance, and the total if there's more than one account
- A recent date, usually within 30 days
- A signature and contact details someone can use to confirm it
Bank letter vs. self-prepared statement
A bank letter is the standard. The bank issues it on letterhead and a banker signs it, so the recipient can call the bank to confirm it. Many banks will only use their own form, but walking in with a completed draft tells them exactly what you need and often gets it done the same day.
A self-prepared statement works when the recipient accepts it with statements attached, which is common for smaller deals, private sellers, and rentals. It carries less weight on its own, so always attach recent statements for every account you list.
Proof of funds letter sample
A bank-issued proof of funds letter for a home purchase. Banks print this on letterhead; the template above writes the same wording with your details.
First Lakeshore Bank
450 Main Street, Grand Rapids, MI 49503
April 2, 2026
Re: Proof of Funds for Morgan Reyes
To Whom It May Concern,
This letter confirms that Morgan Reyes maintains the following accounts with First Lakeshore Bank, in good standing, with the available balances shown as of April 2, 2026:
Checking account ending in 4821: $38,450.00
Savings account ending in 1907: $64,200.00
The combined available balance is $102,650.00.
This letter is provided at the account holder’s request for the purchase of 18 Willow Court, Grand Rapids, MI. It reflects balances on the date above and is not a guarantee of future balances. To confirm this letter, please contact me at (616) 555-0188.
Sincerely,
Alex Turner
Branch Manager, First Lakeshore Bank
Self-prepared proof of funds letter sample
Written and signed by the account holder, with recent statements attached:
To Whom It May Concern,
I am providing this letter as proof of funds for my offer on 18 Willow Court, Grand Rapids, MI. As of April 2, 2026, I hold the following accounts in my name:
First Lakeshore Bank checking account ending in 4821: $38,450.00
Vanguard brokerage account ending in 3310: $52,000.00
The total available balance is $90,450.00. These funds are held in my name and are not borrowed or pledged to another obligation.
I have attached recent statements for each account and authorize you to confirm these balances with First Lakeshore Bank and Vanguard if needed.
I certify that the information in this letter is true and accurate to the best of my knowledge.
Sincerely,
Morgan Reyes
Proof of funds for real estate, investments, and deals
- Cash home purchase: sellers and agents usually want proof of funds with the offer, covering the full purchase price plus closing costs.
- Down payment: show enough for the down payment and closing costs; the lender handles the rest.
- Business acquisition or investment: sellers and deal teams often want both the balance and where it came from, so expect to share deposit history, not just a letter.
For a deeper walkthrough, including how to check that a letter you received is real, read our proof of funds guide. Need to show what you earn rather than what you hold? That's proof of income, and our employment verification letter generator covers it.
Received a proof of funds letter?
Letters and statements are easy to edit. Call the bank using a number you look up yourself, not the one on the letter, and check any attached statements with our bank statement checker. Or ask the other party to connect their bank read-only and share a report of balances and deposit history pulled straight from the source; see due diligence with Income Checker.
Frequently asked questions
What is a proof of funds letter?
A short letter showing that someone has the money for a transaction: whose account it is, where it’s held, the available balance, and the date. Sellers, title companies, lenders, and investors ask for one before accepting an offer or moving forward with a deal.
What does a proof of funds letter look like?
It is a one-page letter on bank letterhead, or signed by the account holder, that names the account holder, the bank, each account by its last four digits with its available balance, the total, the date, and a contact for confirming it. The sample letters on this page show the exact wording.
Is there a free proof of funds letter template?
Yes. The template on this page is free with no sign-up. Choose a bank letter draft or a self-prepared statement, fill in your accounts, and print it or save it as a PDF. Take the bank version to your branch to have it issued on letterhead.
Who issues a proof of funds letter?
Usually the bank or brokerage holding the funds, signed by a banker or branch officer on letterhead. Many banks have their own form, but bringing a filled-in draft can speed things up. Some recipients also accept a signed statement from the account holder with recent bank statements attached.
How recent does proof of funds need to be?
Most recipients want it dated within the last 30 days, and some want it within a week or two for competitive real estate offers. If the deal drags on, expect to provide an updated letter.
Should I include my full account number?
No. Use only the last four digits. The recipient needs to see the account holder, the institution, and the balance, not the full account number.
Is this proof of funds letter generator free?
Yes. There’s no account or sign-up, and everything runs in your browser, so nothing you type is sent to our servers. Print the letter or save it as a PDF from the print dialog.
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