Proof of Funds and Closing Readiness

Closing readiness is a documented ability to fund on a date. Everything else is intent.

Updated 2026-09-05

What usually counts

  • A recent bank statement or letter showing available liquid funds.
  • A lender approval letter that names the borrower entity and states the terms.
  • A private lender letter with contact details that can actually be called.

What usually does not

  • An undated screenshot with the account and balance obscured.
  • A letter from a lender who does not lend in Texas.
  • A partner's funds without a written arrangement to use them.

Earnest money and the option period

Earnest money placed quickly with a title company signals seriousness far more than the size of the number. If your process requires an inspection window before funds go hard, say so up front — surprises late in a transaction are what damages a buyer relationship.

Never send documents through an unverified channel

Do not upload financial documents to this website and do not email them in response to an unexpected request. Share them through the title company, or after a scheduled conversation confirms who you are dealing with.

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Educational information only. Nothing here is legal, tax or financial advice, and nothing here promises a buyer, a closing, a joint venture, a project or compensation.