IRS Form 4506 – Need an exact photocopy of a previously filed tax return? IRS Form 4506, officially titled Request for Copy of Tax Return, is the form you use to order a full copy of your original tax return, including all attachments like W-2s, schedules, and forms.
Whether you’re applying for a mortgage, handling an audit, replacing lost records, or proving income for a loan or benefits, Form 4506 provides the official IRS copy you need. This guide covers everything: when to use it, how to complete it step by step, current fees, processing times, mailing addresses, and smarter alternatives.
Download the latest form here: IRS Form 4506 PDF (Rev. April 2025).
What Is IRS Form 4506 and Who Needs It?
Form 4506 lets you (or an authorized third party) request a photocopy of a tax return as it was originally filed with the IRS. This differs from a transcript, which is a computer-generated summary.
Common reasons to file Form 4506 include:
- Mortgage or loan applications requiring full verified returns
- IRS audits or appeals needing exact copies
- Replacing lost or destroyed tax records
- Legal proceedings, court cases, or divorce settlements
- Business or financial verifications where a transcript isn’t sufficient
- Correcting errors on prior returns or amending with full documentation
You can request copies for individual returns (Form 1040 series) and business returns (1120, 941, etc.). Copies of most 1040-series returns are available for about 7 years before the IRS destroys them; other returns may be kept longer.
Pro tip: Always check if a free tax return transcript (via IRS Get Transcript) will suffice first—many lenders and institutions accept transcripts.
Form 4506 vs. Form 4506-T: Key Differences
Don’t confuse the two forms—they serve different purposes:
| Feature | Form 4506 (Copy of Return) | Form 4506-T (Transcript) |
|---|---|---|
| What you get | Exact photocopy of original return + attachments | Computer-generated summary of return data |
| Cost | $30 per return (as of 2026) | Free |
| Processing time | Up to 75 days | 5–10 days (or instant online) |
| Best for | Legal, court, or situations needing full images | Income/AGI verification, loans, most routine needs |
| Availability | Mail only | Online, phone, or mail |
| Attachments | Includes W-2s, schedules, etc. | Line items only (no full attachments) |
Recommendation: Start with a free transcript from your IRS online account. Use Form 4506 only when a full certified copy is explicitly required.
Step-by-Step: How to Fill Out IRS Form 4506
Follow these instructions carefully. An incomplete or illegible form will be rejected.
- Lines 1a–2b (Taxpayer Information)
Enter the name(s) and SSN/ITIN exactly as they appeared on the original return. For joint returns, list the primary taxpayer on line 1 and spouse on line 2. - Line 3 (Current Address)
Provide your current mailing address. If you’ve moved, include the previous address on line 4. - Line 4 (Previous Address)
Only fill if different from line 3 and it was the address on the return you’re requesting. - Line 5 (Third Party Designation)
If sending the copy directly to a mortgage lender, attorney, or other third party, enter their name, address, and phone number here. Complete lines 5–7 before signing. - Line 6 (Return Type)
Specify the form number (e.g., “1040”, “1120”, “941”) and check the box if you need a certified copy for court or administrative proceedings. Only request one return type per form. - Line 7 (Tax Period)
Enter the ending date of the tax year in mm/dd/yyyy format (e.g., 12/31/2024 for tax year 2024). For quarterly returns like 941, specify each period on separate lines or forms. - Line 8 (Payment)
Calculate the fee: $30 × number of returns requested. - Signature
The taxpayer (or authorized representative) must sign and date. For joint returns, at least one spouse signs. The IRS must receive the form within 120 days of the signature date. Attach Form 2848 if a representative is signing.
Do not sign a blank or incomplete form.
Fees, Payment, and Processing Time
- Current fee (2026): $30 per tax return requested. Full payment must accompany the form.
- Make checks or money orders payable to “United States Treasury”.
- Write your SSN/ITIN/EIN and “Form 4506 request” on the payment.
- If the IRS cannot locate the return, you will receive a refund (indicate on line 9 if it should go to the third party).
- Processing time: Up to 75 calendar days. Plan ahead—do not wait until the last minute for loans or deadlines.
Where to Mail IRS Form 4506?
Mail the completed form and payment to the correct RAIVS (Return and Income Verification Services) Team based on the state where you lived (or your business was located) when you filed the return. Use the address for your most recent return if requesting multiple years.
Always verify the latest addresses on the official IRS page, as they can change: Where to File Form 4506.
Quick reference (current as of 2026):
For Form 1040-series (individual) returns:
- Southern states, TX, FL, territories, APO/FPO → Austin, TX
- Northeastern and some Midwestern states → Ogden, UT
- Western and some Midwestern states → Kansas City, MO
For other returns (business, employment, etc.): Different groupings apply—check the IRS chart.
Faster and Free Alternatives: Get Your Tax Records Online
Before paying $30 and waiting 75 days, try these free options:
- IRS Online Account → Create or log in at IRS.gov to view, print, or download transcripts instantly (Tax Return Transcript, Wage & Income Transcript, etc.).
- Get Transcript by Mail → Request delivery in 5–10 days.
- Phone → Call 800-908-9946 for automated transcripts.
These transcripts are usually sufficient for mortgage lenders, student aid, or income verification.
Common Mistakes to Avoid
- Sending the form without payment or with the wrong amount
- Using an outdated form version
- Signing before completing all required lines (especially line 5 for third parties)
- Requesting multiple return types on one form
- Mailing to the wrong address
- Forgetting to check the certified copy box when needed
Frequently Asked Questions (FAQs)
How far back can I request a copy?
Most 1040 returns are available for 7 years; others may be longer.
Can I request a copy for someone else?
Only with proper authorization (e.g., Form 2848) or as a legal representative (executor, guardian, etc.).
Is the copy certified?
Only if you check the box on line 6 and pay the fee. Otherwise, it’s a regular photocopy.
What if I need it urgently?
Unfortunately, there is no expedited service. Use transcripts when possible.
Final Thoughts
IRS Form 4506 remains the official way to obtain a full photocopy of your tax return when a transcript won’t do. While the $30 fee and longer wait time make it less convenient than free online transcripts, it serves critical needs for legal and financial documentation.
Action steps today:
- Visit IRS.gov/form4506 and download the latest PDF.
- Check if a free transcript from your IRS Online Account meets your needs.
- Complete and mail the form with payment well in advance of any deadlines.
For personalized advice, consult a tax professional or enrolled agent. Always refer to the official IRS website for the most current information, as rules and addresses can change.
Need help with a specific situation? Drop a comment or contact the IRS directly at the numbers provided on their forms.
This article is for informational purposes only and is based on official IRS sources as of February 2026. Tax laws and procedures can change—verify details at IRS.gov.