Is Bitcoin accepted for US mortgage proof of funds?

Conventional Fannie Mae and Freddie Mac loans generally require liquidating BTC to USD and seasoning bank deposits. Your BTC statement documents on-chain history before liquidation. Crypto-collateralised and non-QM lenders may accept holdings directly — confirm with your loan officer.

Which BTC address types are supported?

Legacy (1...), SegWit (3...), and Native SegWit (bc1...) addresses from Ledger, Trezor, Coldcard, and other self-custody wallets.

Can I combine multiple addresses?

Generate one statement per address and submit together. Label each PDF with the address suffix so underwriters can match holdings.

Bitcoin Proof of Funds (US)

Turn UTXO-based Bitcoin history into a bank-style statement with USD equivalents — for lenders, landlords, and compliance reviews.

Generate BTC Statement

Raw block-explorer views are difficult for mortgage underwriters to parse. We convert inputs and outputs into running balances with transaction dates and USD marks — the same structure as a traditional bank statement.

US crypto mortgage guide →