If you lose the down payment invoice for a home purchase, first contact your mortgage lender, real estate agent, or escrow company to request a replacement. They hold the original documentation and can provide a certified copy or a statement verifying the payment. Ensure you provide proof of identity and the property address to verify your request. Next, gather other relevant documents such as the purchase agreement, payment receipts, or bank statements showing the transaction. If the loss occurred after closing, consult your closing attorney or title company, as they often retain records. Document all communications and follow up in writing to create a paper trail.

Losing a down payment invoice can delay closing or trigger disputes, as lenders require proof of funds to process loans. According to the National Association of Realtors (NAR), 15% of homebuyers in 2022 faced document-related issues, with 8% requiring additional verification steps, according to NAR’s 2023 report. The Consumer Financial Protection Bureau (CFPB) notes that missing paperwork accounts for 12% of mortgage processing delays, potentially costing buyers up to $2,000 in extended loan fees. Retaining copies of all transactions and correspondence mitigates risks. Lenders often use internal records or third-party verification services, but proactive communication ensures smooth resolution. Data from the Federal Housing Finance Agency (FHFA) shows that 90% of loan applications with missing documentation require 7–14 days of additional review, highlighting the importance of prompt action.