Buying Property: Prove Your Down Payment to the Bank
Buying property with a personal contribution : how to prove your down payment to the bank? In 2025, banks systematically require proof of the origin of your funds as part of anti-money laundering regulations. It’s an essential step in reviewing your mortgage application.
However, depending on where your contribution comes from (savings, gift, property sale…), the documents required may vary. Here’s a complete guide to help you prepare a solid application.
Why do you need to prove your down payment?
Justifying the source of your contribution allows the bank to:
- Ensure the legality of the funds (traceability);
- Secure the loan granted;
- Evaluate your overall financial health.
Most banks expect a contribution of at least 10% to 20% of the property’s price, particularly to cover notary fees and guarantees.
What documents should you provide depending on the origin of the funds?
1. Contribution from personal savings
In most cases, the contribution comes from savings accounts. To justify it:
- Provide the last 3 account statements from relevant accounts (Livret A, LDD, CEL, PEL…);
- If applicable, a document proving the release of PTZ or other financial aid.
2. Contribution from a family donation
If a family member helps you, you’ll need to provide:
- The bank statement showing the received transfer;
- A copy of the donor’s ID;
- A manual donation certificate (or notarial deed for large amounts).
You can download the certificate from the tax website: form 2735.
3. Contribution from a property sale
In this case, you’ll need to provide: the signed pre-sale agreement, or a notarial certificate of the sale with proof of funds received.
Summary table of required documents
| Source of Funds | Required Documents |
|---|---|
| Personal savings | Last 3 bank or savings account statements |
| State-supported loans (PTZ, PEL, etc.) | Notice or proof of funds release |
| Family donation | Bank statement + donor’s ID + manual donation certificate |
| Property sale | Pre-sale agreement or notarial certificate |
Conclusion: Down Payment Proof When Buying Property
Justifying your personal contribution is essential to securing a mortgage in 2025. It allows the bank to verify the origin of your funds and assess your reliability. Preparing these documents in advance will speed up the application process and demonstrate your seriousness.
Tip: Combine all your documents into a single PDF to save time.
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