<prompt> Human: My ultimate goal is to purchase a house as quickly as possible. I make enough money now and my credit score is sufficient. I now need to verify my income over the past couple of years. What is the best way to pay my past due taxes, accurately, so I can apply for a loan? nbsp;2009 taxes have been prepared, but never paid. nbsp;2010 2011 were done properly and have been paid. nbsp;2012 taxes were prepared, but were never paid. nbsp;2013 has not been paid or prepared. nbsp;Should I call the IRS to see what they have on file and what they still need? Should I pay a CPA to clean this all up for me? Would the cost be worth it? Can I do this on my own? My final questions is: Can I still qualify for a loan if I have filed my taxes, but just still need to pay? It may take me a year or more to pay all the past due taxes.  <response>: IRS employee here:I assume prepared but never paid for 2009 and 2012 means prepared, not filed, and not paid.You have already identified what tax years you need to file and pay, which puts you ahead of the curve.File 2009 and 2012 ASAP. Be sure your current address appears on the returns. Prepare and file 2013 ASAP. I strongly suggest you mail the returns separately, or bring them in to your local Taxpayer assistance Center You should allow 8 - 10 weeks to process the returns. After they are completed, you will be billed for the unpaid taxes, and assessments of interest, Failure to File FTF and Failure to Pay FTP penalties.If you need a payment plan at that point, you can call 1-800-829-0922 M - F 7am - 7pm and make the request. A monthly Installment Agreement has a one-time 120 User Fee. Take the sum of all three first notices and divide that figure by 72: this will be your minimum monthly payment if you owe less than 50,000 in total.After you establish the agreement, you will receive a letter that confirms the IA terms. You could present a copy of the letter to your mortgage lender as proof the returns were filed and you have a payment plan in place.Thank you for reading. 