how to title an application letter

How to Write a Cover Letter [Full Guide & Examples for 2024]

After weeks of heavy job searching, you’re almost there!

You’ve perfected your resume.

You’ve short-listed the coolest jobs you want to apply for.

You’ve even had a friend train you for every single interview question out there.

But then, before you can send in your application and call it a day, you remember that you need to write a cover letter too.

So now, you’re stuck staring at a blank page, wondering where to start...

Don’t panic! We’ve got you covered. Writing a cover letter is a lot simpler than you might think. 

In this guide, we’re going to teach you how to write a cover letter that gets you the job you deserve.

We're going to cover:

What Is a Cover Letter?

• How to Write the Perfect Cover Letter, Step by Step
• 15+ Job-Winning Cover Letter Examples

Let’s get started.

A cover letter is a document that you submit as part of your job application, alongside your resume or CV.

The purpose of a cover letter is to introduce you and briefly summarize your professional background. On average, it should be around 250 to 400 words long .

A good cover letter is supposed to impress the hiring manager and convince them you’re worth interviewing as a candidate.

So, how can your cover letter achieve this?

First of all, it should complement your resume, not copy it. Your cover letter is your chance to elaborate on important achievements, skills, or anything else that your resume doesn’t give you the space to cover. 

For example, if you have an employment gap on your resume, the cover letter is a great place to explain why it happened and how it helped you grow as a person. 

If this is your first time writing a cover letter, writing about yourself might seem complicated. But don’t worry—you don’t need to be super creative or even a good writer .

All you have to do is follow this tried and tested cover letter structure:

• Header. Add all the necessary contact information at the top of your cover letter.
• Formal greeting. Choose an appropriate way to greet your target audience.
• Introduction. Introduce yourself in the opening paragraph and explain your interest in the role.
• Body. Elaborate on why you’re the best candidate for the job and a good match for the company. Focus on “selling” your skills, achievements, and relevant professional experiences.
• Conclusion. Summarize your key points and wrap it up professionally.

Now, let’s take a look at an example of a cover letter that follows our structure perfectly:

New to cover letter writing? Give our cover letter video a watch before diving into the article!

When Should You Write a Cover Letter?

You should always include a cover letter in your job application, even if the hiring manager never reads it. Submitting a cover letter is as important as submitting a resume if you want to look like a serious candidate.

If the employer requests a cover letter as part of the screening process, not sending one is a huge red flag and will probably get your application tossed into the “no” pile immediately.

On the other hand, if the job advertisement doesn’t require a cover letter from the candidates, adding one shows you went the extra mile.

Putting in the effort to write a cover letter can set you apart from other candidates with similar professional experience and skills, and it could even sway the hiring manager to call you for an interview if you do it right.

Need to write a letter to help get you into a good school or volunteer program? Check out our guide to learn how to write a motivation letter !

How to Write the Perfect Cover Letter

Now that you know what a cover letter is, it’s time to learn how to write one!

We’ll go through the process in detail, step by step.

#1. Choose the Right Cover Letter Template

A good cover letter is all about leaving the right first impression.

So, what’s a better way to leave a good impression than a well-formatted, stylish template?

Just choose one of our hand-picked cover letter templates , and you’ll be all set in no time!

As a bonus, our intuitive AI will even give you suggestions on how to improve your cover letter as you write it. You’ll have the perfect cover letter done in minutes!

#2. Put Contact Information in the Header

As with a resume, it’s important to start your cover letter with your contact details at the top. These should be in your cover letter’s header, separated neatly from the bulk of your text.

Here, you want to include all the essential contact information , including:

• Full Name. Your first and last name should stand out at the top.
• Job Title. Match the professional title underneath your name to the exact job title of the position you’re applying for. Hiring managers often hire for several roles at once, so giving them this cue about what role you’re after helps things go smoother.
• Email Address. Always use a professional and easy-to-spell email address. Ideally, it should combine your first and last names.
• Phone Number. Add a number where the hiring manager can easily reach you.
• Location. Add your city and state/country, no need for more details.
• Relevant Links (optional). You can add links to websites or social media profiles that are relevant to your field. Examples include a LinkedIn profile , Github, or an online portfolio.

Then it’s time to add the recipient’s contact details, such as:

• Hiring Manager's Name. If you can find the name of the hiring manager, add it.
• Hiring Manager's Title. While there’s no harm in writing “hiring manager,” if they’re the head of the department, we recommend you use that title accordingly.
• Company Name. Make sure to write the name of the company you're applying to.
• Location. The city and state/country are usually enough information here, too.
• Date of Writing (Optional). You can include the date you wrote your cover letter for an extra professional touch.

#3. Address the Hiring Manager

Once you’ve properly listed all the contact information, it’s time to start writing the content of the cover letter.

The first thing you need to do here is to address your cover letter directly to the hiring manager.

In fact, you want to address the hiring manager personally .

Forget the old “Dear Sir or Madam” or the impersonal “To Whom It May Concern.” You want to give your future boss a good impression and show them that you did your research before sending in your application.

No one wants to hire a job seeker who just spams 20+ companies and hopes something sticks with their generic approach

So, how do you find out who’s the hiring manager?

First, check the job ad. The hiring manager’s name might be listed somewhere in it.

If that doesn’t work, check the company’s LinkedIn page. You just need to look up the head of the relevant department you’re applying to, and you’re all set.

For example, if you’re applying for the position of Communication Specialist at Novorésumé. The hiring manager is probably the Head of Communications or the Chief Communications Officer.

Here’s what you should look for on LinkedIn:

And there you go! You have your hiring manager.

But let’s say you’re applying for a position as a server . In that case, you’d be looking for the “restaurant manager” or “food and beverage manager.”

If the results don’t come up with anything, try checking out the “Team” page on the company website; there’s a good chance you’ll at least find the right person there.

Make sure to address them as Mr. or Ms., followed by their last name. If you’re not sure about their gender or marital status, you can just stick to their full name, like so:

• Dear Mr. Kurtuy,
• Dear Andrei Kurtuy,

But what if you still can’t find the hiring manager’s name, no matter where you look?

No worries. You can direct your cover letter to the company, department, or team as a whole, or just skip the hiring manager’s name.

• Dear [Department] Hiring Manager
• Dear Hiring Manager
• Dear [Department] Team
• Dear [Company Name]

Are you applying for a research position? Learn how to write an academic personal statement .

#4. Write an Eye-Catching Introduction

First impressions matter, especially when it comes to your job search.

Hiring managers get hundreds, sometimes even thousands, of applications. Chances are, they’re not going to be reading every single cover letter end-to-end.

So, it’s essential to catch their attention from the very first paragraph.

The biggest problem with most opening paragraphs is that they’re usually extremely generic. Here’s an example:

• My name is Jonathan, and I’d like to work as a Sales Manager at XYZ Inc. I’ve worked as a Sales Manager at MadeUpCompany Inc. for 5+ years, so I believe that I’d be a good fit for the position.

See the issue here? This opening paragraph doesn’t say anything except the fact that you’ve worked the job before.

And do you know who else has similar work experience? All the other applicants you’re competing with.

Instead, you want to start with some of your top achievements to grab the reader’s attention. And to get the point across, the achievements should be as relevant as possible to the position.

Your opening paragraph should also show the hiring manager a bit about why you want this specific job. For example, mention how the job relates to your plans for the future or how it can help you grow professionally. This will show the hiring manager that you’re not just applying left and right—you’re actually enthusiastic about getting this particular role.

Now, let’s make our previous example shine:

Dear Mr. Smith,

My name’s Michael, and I’d like to help XYZ Inc. hit and exceed its sales goals as a Sales Manager. I’ve worked as a Sales Representative with Company X, another fin-tech company , for 3+ years, where I generated an average of $30,000+ in sales per month and beat the KPIs by around 40%. I believe that my previous industry experience, passion for finance , and excellence in sales make me the right candidate for the job.

The second candidate starts with what they can do for the company in the future and immediately lists an impressive and relevant achievement. Since they’re experienced in the same industry and interested in finance, the hiring manager can see they’re not just a random applicant.

From this introduction, it’s safe to say that the hiring manager would read the rest of this candidate’s cover letter.

#5. Use the Cover Letter Body for Details

The next part of your cover letter is where you can go into detail about what sets you apart as a qualified candidate for the job.

The main thing you need to remember here is that you shouldn’t make it all about yourself . Your cover letter is supposed to show the hiring manager how you relate to the job and the company you’re applying to.

No matter how cool you make yourself sound in your cover letter, if you don’t tailor it to match what the hiring manager is looking for, you’re not getting an interview.

To get this right, use the job ad as a reference when writing your cover letter. Make sure to highlight skills and achievements that match the job requirements, and you’re good to go.

Since this part of your cover letter is by far the longest, you should split it into at least two paragraphs.

Here’s what each paragraph should cover:

Explain Why You’re the Perfect Candidate for the Role

Before you can show the hiring manager that you’re exactly what they’ve been looking for, you need to know what it is they’re looking for.

Start by doing a bit of research. Learn what the most important skills and responsibilities of the role are according to the job ad, and focus on any relevant experience you have that matches them.

For example, if you’re applying for the position of a Facebook Advertiser. The top requirements on the job ad are:

• Experience managing a Facebook ad budget of $10,000+ / month
• Some skills in advertising on other platforms (Google Search + Twitter)
• Excellent copywriting skills

So, in the body of your cover letter, you need to show how you meet these requirements. Here’s an example of what that can look like:

In my previous role as a Facebook Marketing Expert at XYZ Inc. I handled customer acquisition through ads, managing a monthly Facebook ad budget of $40,000+ . As the sole digital marketer at the company, I managed the ad creation and management process end-to-end. I created the ad copy and images, picked the targeting, ran optimization trials, and so on.

Other than Facebook advertising, I’ve also delved into other online PPC channels, including:

• Google Search

Our example addresses all the necessary requirements and shows off the candidate’s relevant skills.

Are you a student applying for your first internship? Learn how to write an internship cover letter with our dedicated guide.

Explain Why You’re a Good Fit for the Company

As skilled and experienced as you may be, that’s not all the hiring manager is looking for.

They also want someone who’s a good fit for their company and who actually wants to work there.

Employees who don’t fit in with the company culture are likely to quit sooner or later. This ends up costing the company a ton of money, up to 50% of the employee’s annual salary , so hiring managers vet candidates very carefully to avoid this scenario.

So, you have to convince the hiring manager that you’re passionate about working with them.

Start by doing some research about the company. You want to know things like:

• What’s the company’s business model?
• What’s the company’s product or service? Have you used it?
• What’s the company’s culture like?

Chances are, you’ll find all the information you need either on the company website or on job-search websites like Jobscan or Glassdoor.

Then, pick your favorite thing about the company and talk about it in your cover letter.

But don’t just describe the company in its own words just to flatter them. Be super specific—the hiring manager can see through any fluff.

For example, if you’re passionate about their product and you like the company’s culture of innovation and independent work model, you can write something like:

I’ve personally used the XYZ Smartphone, and I believe that it’s the most innovative tech I’ve used in years. The features, such as Made-Up-Feature #1 and Made-Up-Feature #2, were real game changers for the device.

I really admire how Company XYZ strives for excellence in all its product lines, creating market-leading tech. As someone who thrives in a self-driven environment, I truly believe that I’ll be a great match for your Product Design team.

So, make sure to do your fair share of research and come up with good reasons why you're applying to that specific company.

Is the company you want to work for not hiring at the moment? Check out our guide to writing a letter of interest .

#6. Wrap It Up and Sign It

Finally, it’s time to conclude your cover letter.

In the final paragraph, you want to:

• Wrap up any points you couldn't make in the previous paragraphs. Do you have anything left to say? If there’s any other information that could help the hiring manager make their decision, mention it here. If not, just recap your key selling points so far, such as key skills and expertise.
• Express gratitude. Politely thanking the hiring manager for their time is always a good idea.
• Finish the cover letter with a call to action. The very last sentence in your cover letter should be a call to action. This means you should ask the hiring manager to do something, like call you and discuss your application or arrange an interview.
• Remember to sign your cover letter. Just add a formal closing line and sign your name at the bottom.

Here’s an example of how to end your cover letter :

I hope to help Company X make the most of their Facebook marketing initiatives. I'd love to further discuss how my previous success at XYZ Inc. can help you achieve your Facebook marketing goals. Please don’t hesitate to reach out to me at the provided email address or phone number so that we may arrange an interview.

Thank you for your consideration,

Alice Richards

Feel free to use one of these other popular closing lines for your cover letter:

• Best Regards,
• Kind Regards,

Cover Letter Writing Checklist

Once you’re done with your cover letter, it’s time to check if it meets all industry requirements. 

Give our handy cover letter writing checklist a look to make sure:

Does your cover letter heading include all essential information?

• Professional Email
• Phone Number
• Relevant Links

Do you address the right person? 

• The hiring manager in the company
• Your future direct supervisor
• The company/department in general

Does your introductory paragraph grab the reader's attention?

• Did you mention some of your top achievements?
• Did you use numbers and facts to back up your experience?
• Did you convey enthusiasm for the specific role?

Do you show that you’re the right candidate for the job?

• Did you identify the core requirements for the role?
• Did you show how your experiences helped you fit the requirements perfectly?

Do you convince the hiring manager that you’re passionate about the company you’re applying to?

• Did you identify the top 3 things that you like about the company?
• Did you avoid generic reasons for explaining your interest in the company?

Did you conclude your cover letter properly?

• Did you recap your key selling points in the conclusion?
• Did you end your cover letter with a call to action?
• Did you use the right formal closing line and sign your name?

15 Cover Letter Tips

Now you’re all set to write your cover letter! 

Before you start typing, here are some cover letter tips to help take your cover letter to the next level:

• Customize Your Cover Letter for Each Job. Make sure your cover letter is tailored to the job you're applying for. This shows you're not just sending generic applications left and right, and it tells the hiring manager you’re the right person for the job.
• Showcase Your Skills. Talk about how your skills meet the company’s needs. And while your hard skills should be front and center, you shouldn’t underestimate your soft skills in your cover letter either.
• Avoid Fluff. Don’t make any generic statements you can’t back up. The hiring manager can tell when you’re just throwing words around, and it doesn’t make your cover letter look good.
• Use Specific Examples. Instead of saying you're great at something, give an actual example to back up your claim. Any data you can provide makes you sound more credible, so quantify your achievements. For example, give numbers such as percentages related to your performance and the timeframe it took to accomplish certain achievements.
• Research the Company. Always take time to learn about the company you're applying to. Make sure to mention something about them in your cover letter to show the hiring manager that you're interested.
• Follow the Application Instructions. If the job posting asks for something specific in your cover letter or requires a certain format, make sure you include it. Not following instructions can come off as unattentive or signal to the hiring manager that you’re not taking the job seriously.
• Use the Right Template and Format. Choose the right cover letter format and adapt your cover letter’s look to the industry you’re applying for. For example, if you’re aiming for a job in Law or Finance, you should go for a cleaner, more professional look. But if you’re applying for a field that values innovation, like IT or Design, you have more room for creativity.
• Express Your Enthusiasm. Let the hiring manager know why you're excited about the job. Your passion for the specific role or the field in general can be a big selling point, and show them that you’re genuinely interested, not just applying left and right.
• Address Any Gaps. If there are any employment gaps in your resume , your cover letter is a great place to mention why. Your resume doesn’t give you enough space to elaborate on an employment gap, so addressing it here can set hiring managers at ease—life happens, and employers understand.
• Avoid Quirky Emails. Your email address should be presentable. It’s hard for a hiring manager to take you seriously if your email address is “[email protected].” Just use a [email protected] format.
• Check Your Contact Information. Typos in your email address or phone number can mean a missed opportunity. Double-check these before sending your application.
• Mention if You Want to Relocate. If you’re looking for a job that lets you move somewhere else, specify this in your cover letter.
• Keep It Brief. You want to keep your cover letter short and sweet. Hiring managers don’t have time to read a novel, so if you go over one page, they simply won’t read it at all.
• Use a Professional Tone. Even though a conversational tone isn’t a bad thing, remember that it's still a formal document. Show professionalism in your cover letter by keeping slang, jargon, and emojis out of it.
• Proofread Carefully. Typos and grammar mistakes are a huge deal-breaker. Use a tool like Grammarly or QuillBot to double-check your spelling and grammar, or even get a friend to check it for you.

15+ Cover Letter Examples

Need some inspiration? Check out some perfect cover letter examples for different experience levels and various professions.

5+ Cover Letter Examples by Experience

#1. college student cover letter example.

Check out our full guide to writing a college student cover letter here.

#2. Middle Management Cover Letter Example

Check out our full guide to writing a project manager cover letter here.

#3. Team Leader Cover Letter Example

Check out our full guide to writing a team leader cover letter here.

#4. Career Change Cover Letter Example

Check out our full guide to a career change resume and cover letter here.

#5. Management Cover Letter Example

Check out our full guide to writing a management cover letter here.

#6. Senior Executive Cover Letter Example

Check out our full guide to writing an executive resume here.

9+ Cover Letter Examples by Profession

#1. it cover letter example.

Check out our full guide to writing an IT cover letter here.

#2. Consultant Cover Letter Example

Check out our full guide to writing a consultant cover letter here.

#3. Human Resources Cover Letter

Check out our full guide to writing a human resources cover letter here.

#4. Business Cover Letter Example

Check out our full guide to writing a business cover letter here.

#5. Sales Cover Letter Example

Check out our full guide to writing a sales cover letter here.

#6. Social Worker Cover Letter

Check out our full guide to writing a social worker cover letter here.

#7. Lawyer Cover Letter

Check out our full guide to writing a lawyer cover letter here.

#8. Administrative Assistant Cover Letter

Check out our full guide to writing an administrative assistant cover letter here.

#9. Engineering Cover Letter Example

Check out our full guide to writing an engineer cover letter here.

#10. Receptionist Cover Letter Example

Check out our full guide to writing a receptionist cover letter here.

Need more inspiration? Check out these cover letter examples to learn what makes them stand out.

Plug & Play Cover Letter Template

Not sure how to start your cover letter? Don’t worry!

Just copy and paste our free cover letter template into the cover letter builder, and swap out the blanks for your details.

[Your Full Name]

[Your Profession]

[Your Phone Number]

[Your Email Address]

[Your Location]

[Your LinkedIn Profile URL (optional)]

[Your Personal Website URL (optional)]

[Recipient's Name, e.g., Jane Doe],

[Recipient's Position, e.g., Hiring Manager]

[Company Name, e.g., ABC Corporation]

[Company Address]

[City, State/Country]

Dear [Recipient's Name],

As a seasoned [Your Profession] with [Number of Years of Experience] years of industry experience, I am eager to express my interest in the [Job Title] position at [Company Name]. With my experience in [Your Industry/Sector] and the successes I've achieved throughout my education and career, I believe I can bring unique value and creativity to your team.

In my current role as [Your Current Job Title], I've taken the lead on more than [Number of Projects/Assignments] projects, some valued up to $[Highest Project Value]. I pride myself on consistently exceeding client expectations and have successfully [Mention a Key Achievement] in just a [Amount of Time] through [Skill] and [Skill].

I've collaborated with various professionals, such as [List Roles], ensuring that all [projects/tasks] meet [relevant standards or objectives]. This hands-on experience, coupled with my dedication to understanding each [client's/customer's] vision, has equipped me to navigate and deliver on complex projects.

My key strengths include:

• Improving [Achievement] by [%] over [Amount of Time] which resulted in [Quantified Result].
• Optimizing [Work Process/Responsibility] which saved [Previous Employer] [Amount of Time/Budget/Other Metric] over [Weeks/Months/Years]
• Spearheading team of [Number of People] to [Task] and achieving [Quantified Result].

Alongside this letter, I've attached my resume. My educational background, a [Your Degree] with a concentration in [Your Specialization], complements the practical skills that I'm particularly eager to share with [Company Name].

I'm excited about the possibility of contributing to [Something Notable About the Company or Its Mission]. I'd be grateful for the chance to delve deeper into how my expertise aligns with your needs.

Thank you for considering my application, and I look forward to hearing from you soon.

The Heart of Your Job Search - Creating a Killer Resume

Your cover letter is only as good as your resume. If either one is weak, your entire application falls through.

After all, your cover letter is meant to complement your resume. Imagine going through all this effort to leave an amazing first impression in your cover letter, only for the hiring manager to never read it because your resume was mediocre.

But don’t worry; we’ve got you covered here, too.

Check out our dedicated guide on how to make a resume and learn everything you need to know to land your dream job!

Just pick one of our resume templates and start writing your own job-winning resume.

Key Takeaways

Now that we’ve walked you through all the steps of writing a cover letter, let’s summarize everything we’ve learned:

• A cover letter is a 250 - 400 word document that’s meant to convince the hiring manager that you’re the best candidate for the job.
• Your job application should always include a cover letter alongside your resume.
• To grab the hiring manager’s attention, write a strong opening paragraph. Mention who you are, why you’re applying, and a standout achievement to pique their interest.
• Your cover letter should focus on why you’re the perfect candidate for the job and why you’re passionate about working in this specific company.
• Use the body of your cover letter to provide details on your skills, achievements, and qualifications, as well as make sure to convey your enthusiasm throughout your whole cover letter.
• Recap your key selling points towards the end of your cover letter, and end it with a formal closing line and your full name signed underneath.

At Novorésumé, we’re committed to helping you get the job you deserve every step of the way! 

Follow our career blog for more valuable advice, or check out some of our top guides, such as:

• How to Make a Resume in 2024 | Beginner's Guide
• How to Write a CV (Curriculum Vitae) in 2024 [31+ Examples]
• 35+ Job Interview Questions and Answers [Full List]

To provide a safer experience, the best content and great communication, we use cookies. Learn how we use them for non-authenticated users.

How to Write a Cover Letter That Gets You a Job Interview

Learn to avoid the biggest mistake job seekers make and write a cover letter that truly makes an impact.

Customers Interviewed by:

Most job seekers don’t know how to write a proper cover letter. They believe a cover letter is just a “here is my resume” note. This is a wasted opportunity!

In this article, you’ll discover the secret to writing a professional cover letter that’s truly effective. It’s not hard to do and will give you a significant edge over the competition. We’ll walk you through the process in a few straightforward steps and provide examples to help you along the way.

Ready to get started? Let’s dive in and create a cover letter that opens doors to your next opportunity.

What is a cover letter and do you really need one?

A cover letter is a short document (around 300 words) that accompanies your resume. Your cover letter should not simply repeat what your resume says . Instead, it should complement your resume, highlight your personality, and potentially address any weaknesses that could otherwise prevent you from getting an interview.

But do you really need a cover letter in 2024? The short answer is YES.

“Over 80% of hiring managers read a cover letter and 60% of applications require one as part of the application,” says career coach Madelyn Mackie . “Even hiring managers and recruiters who say they never read cover letters may find themselves drawn in by a particularly compelling letter.”

In fact, Jobscan analyzed nearly 1 million job applications and found that including a cover letter with your resume makes you 1.9 times more likely to be invited for an interview compared to those who left out a cover letter.

What’s the biggest cover letter mistake?

The biggest mistake job seekers make when writing their cover letter is to focus only on themselves .

“It’s not about you,” says career coach Susan Schwartz . “It’s about what you can do for them. Talking to them about what they care about—not about what you want—is what’s going to make them want to read your letter. And to hire you!”

According to Schwartz, this is the best way to write a cover letter:

Paragraph 1. A single sentence (maximum two) stating the PROBLEM that the company faces. What is the issue/need/opportunity that this role will address?

Paragraph 2. what solution do you offer how are you the answer to their need again, keep it to a sentence or two., paragraph 3. explanation: what experience do you have that supports your assertion that you can help this paragraph can be 3-4 sentences, but keep it short., paragraph 4. call to action: suggest next steps. not “thank you” but let’s plan to discuss this next week..

Since hiring managers often spend less than 20 seconds on an application, your cover letter needs to grab their attention and get them to look at your resume. By highlighting how your experience matches the job, you make it easier for them to see you as a great fit for the role.

Now let’s examine each of these steps in more detail.

How to write a strong cover letter step-by-step

Now that you know the basics of what to include in your cover letter, let’s go through the process from start to finish to see how you can write a cover letter that will make you stand out from the rest of the candidates.

1. Do your research

Before writing your cover letter, research the company to understand its current challenges and goals. Visit the company website, read their latest news and press releases, and follow their social media channels.

Don’t skip this step! It’s crucial for writing a cover letter that truly resonates with a potential employer and sets you apart from other candidates.

After you’ve researched the company, carefully read the job description. Ask yourself the following questions:

• What specific problems or challenges is this role designed to address?
• How do my skills and experiences align with the job requirements?
• Am I a good fit for the role?
• What unique value can I bring to the company in this role?
• Are there any keywords or phrases that I should incorporate into my cover letter?

After researching the company and the role, you’re ready to start writing your cover letter.

2. Write your opening paragraphs

Many job seekers make the mistake of being too wordy in their cover letters. You’re not writing a novel. Use short words in short sentences. Remember, a hiring manager is going to quickly scan your application, so you need to get right to the point.

Here are some examples of how to start a cover letter:

Dear [Hiring Manager’s Name],

I’ve noticed that NexGen is working hard to stand out in a crowded digital market, and keeping your brand top-of-mind for customers can be tough.

That’s where I come in—I specialize in creating engaging content and smart SEO strategies that boost online presence and drive customer engagement.

I understand that Weissman is seeking to maintain its innovative edge in the dancewear industry while consistently meeting sales and margin targets.

I am confident that my experience and passion for design can help Weissman continue to create stunning, market-leading dancewear.

I understand that Timmons Company needs motivated individuals to manage sales territories and boost product visibility in retail grocery stores around Quincy, IL.

I am excited to bring my self-motivation and sales-oriented mindset to your team, ensuring your products not only maintain their shelf presence but also thrive.

3. Prove you can do the job

Now you need to provide evidence that you’re the right person for the job. The best way to do this is to highlight your relevant experience and achievements. Here are some things you should focus on:

• Specific Accomplishments : Share examples of your successes, such as increasing sales, leading projects, or improving processes.
• Relevant Skills : Highlight the skills that match the job requirements, like planning, organizing, technical proficiencies, or specific industry experience.
• Problem-Solving : Discuss times when you successfully tackled challenges, such as resolving issues, managing conflicts, or implementing solutions.
• Industry Knowledge : Demonstrate your understanding of the field and awareness of current trends and standards.
• Team Collaboration : Mention how you’ve effectively worked in teams, mentored others, or collaborated across departments.

Remember to keep it concise. Your letter isn’t meant to tell your whole story; it’s about making a compelling case that you understand the key aspects of the job.

Your goal is to leave the reader eager to learn more about you. Here are some examples:

“Over the past five years, I’ve led digital marketing campaigns that ramped up organic traffic by 40% and bumped up conversion rates by 25%. I’ve worked with diverse teams to create compelling content that resonates with audiences and used data analytics to refine strategies for maximum impact. My experience with social media management and email marketing also ensures a holistic approach to your digital marketing needs.”

“With over ten years in apparel design, specializing in activewear and dancewear, I have a proven track record of developing designs that resonate with customers and drive sales. My expertise includes conducting global trend research, selecting inspiring materials, and leading teams to transform creative concepts into market-ready products. I am proficient in Adobe Creative Suite and have experience with CLO3D, ensuring that my designs are both innovative and technically sound. My leadership skills have been honed by mentoring junior designers and managing cross-functional teams, fostering a collaborative and efficient design process.”

“With several years of experience in CPG retail sales and merchandising, I have successfully managed sales territories, maintained product placements, and executed promotional strategies. My ability to plan and organize, combined with proficiency in Microsoft Office and familiarity with iPads, positions me well to contribute effectively to your sales team. I am adept at thinking on my feet and delivering results in dynamic environments, ensuring that products are always tagged, rotated, and optimally displayed.”

4. Conclude with a call to action

When wrapping up your cover letter, it’s crucial to include a strong call to action in your closing paragraph. This isn’t just about expressing gratitude—it’s about setting the stage for the next steps in the hiring process.

Instead of a simple “thank you,” aim to propose a specific plan, such as scheduling a meeting or a call to discuss how you can contribute to the company.

Here are some examples of how to end a cover letter :

“Let’s discuss how I can help NexGen Creative Agency achieve its sales goals next week. Please let me know your availability for a meeting.”

“How about we chat next week about how I can help Weissman shine even brighter? Let me know when you’re free.”

“Let’s plan to discuss how my self-motivation and sales-oriented mindset can boost product visibility for Timmons Company next week. Please let me know your availability for a meeting.”

There is no need to add anything more. Time is valuable, so hiring managers won’t spend it on a cover letter that isn’t concise and to the point.

Expert tips for writing a cover letter

We’ve gone over the basics of how to write a good cover letter. Here are some expert tips for formatting and how to make your cover letter even better.

Format your contact information correctly

Before diving into the content of your cover letter, it’s important to format the contact details and header correctly. You’ll need to include your name, full address, phone number, and email address.

Here’s an example:

Personalize your greeting

To whom should you address your cover letter to? “For maximum impact, see if you can find the hiring manager or recruiter for the role, and send your letter to them,” says career coach Susan Schwarz . “Addressing your letter to a specific person will significantly increase the likelihood of someone reading it.”

Check the company’s website or LinkedIn profile to find the name of the hiring manager. However, if you can’t find a specific name, “Dear Hiring Manager” will suffice.

To end a cover letter, you can use “best regards” or “kind regards” followed by your full name.

Show your personality

While it’s important to maintain a professional tone in your cover letter, don’t be afraid to let your personality shine through. But remember, you don’t want to overdo it—keep it concise and relevant .

Here are some ways to show your personality in your cover letter:

• Briefly mention a specific project or experience you enjoyed.
• Highlight a distinctive skill or trait that sets you apart.
• Talk about how your values align with the company’s mission or culture.
• Describe a unique volunteer experience.

Emphasize your adaptability

According to LinkedIn , the top “skill of the moment” is adaptability . This means being open to new ideas, ready to pivot when needed, and always looking for ways to improve. In a world where the only constant is change, being adaptable can set you apart.

Here’s an example of how to incorporate adaptability into your cover letter:

“In my previous role as a CPG retail sales merchandiser, I consistently demonstrated my ability to adjust to changing market conditions, customer preferences, and sales strategies. This adaptability allowed me to increase sales by 25% in a highly competitive market.”

Show enthusiasm

Research shows that 40% of employers would not hire a candidate if they lacked enthusiasm. Remember, you’re much more attractive to employers when you’re on fire .

Here’s an example of how to show enthusiasm for the company you’re applying to:

“I’ve long admired Weissman’s commitment to the dance community and the artistry of your costumes. Your dedication to empowering performances and celebrating creativity is inspiring, and I’m excited about the opportunity to join your passionate team.”

Balance professionalism with friendliness

Try to strike a balance between a professional and friendly tone. Don’t use overly formal language, but make sure your writing is polished and error-free. Use humor sparingly, as it can be easily misinterpreted.

This approach helps you come across as both competent and personable, making you an ideal candidate.

Cover letter do’s and don’ts

• Do personalize . Address your cover letter to a specific person whenever possible.
• Do be concise . Keep your cover letter to one page.
• Do show enthusiasm . Mention specific reasons why you want to work there.
• Do include measurable accomplishments . These are achievements that can be quantified , such as increasing sales by a percentage.
• Do show your personality . Share brief anecdotes or unique experiences relevant to the job.
• Do be professional yet friendly . Avoid overly formal language.
• Do proofread your cover letter. A single mistake can damage your chances of getting an interview.
• Do include a call to action. Suggest scheduling a meeting or a call.
• Don’t be too formal . Strike a balance between professionalism and friendliness.
• Don’t overuse humor . Humor can be easily misinterpreted or come off as unprofessional.
• Don’t repeat your resume . Your cover letter should complement your resume, not repeat it.
• Don’t include irrelevant information. Focus only on what’s most relevant to the job you’re applying for.
• Don’t use clichés . Phrases like “I am a hard worker” or “I think outside the box” are overused and add little value.
• Don’t make excuses . Avoid explaining gaps in employment or other potential negatives.
• Don’t forget to tailor each letter . Customizing each cover letter will help it pass through Applicant Tracking Systems (ATS).

Cover letter examples

Here are a few cover letter examples that show how to highlight your skills, show your personality, and match your experiences with the job.

Cover letter example for someone with no work experience

Starting your career can be challenging, especially when you don’t have much experience to showcase. But don’t worry—a well-written cover letter can highlight your strengths and potential.

• Addresses the company’s needs : The letter begins by acknowledging the challenges the company faces, demonstrating an understanding of the industry and the company’s needs.
• Offers a solution : The candidate clearly states how they can provide value by offering a fresh perspective and innovative ideas.
• Highlights relevant experience : Even with limited work experience, the letter mentions a successful internship project that aligns with the job’s requirements.
• Shows enthusiasm and passion : The mention of a passion for sustainability and eagerness to contribute to the company’s efforts showcases the candidate’s genuine interest.
• Proposes next steps : The call to action is clear and professional, suggesting a meeting to discuss how the candidate can contribute, which shows initiative and confidence.

Cover letter example for someone changing careers

Changing careers can be a bold and exciting move, especially when you have a strong foundation of transferable skills. The following example of a cover letter demonstrates how to effectively highlight your previous experience and enthusiasm for a new industry.

• Engaging opening : Starts with a bold question that captures attention and sets the tone for the rest of the letter.
• Clear value proposition : Quickly establishes how the candidate’s project management skills can benefit the finance industry.
• Relevant experience : Highlights a specific project that showcases the candidate’s ability to improve efficiency and manage complex tasks.
• Expresses enthusiasm : Shows genuine excitement about the career change and the specific company.
• Call to action : Concludes with a clear and confident call to action, suggesting a meeting to discuss how the candidate can contribute to the company’s success.

Cover letter example for someone re-entering the workforce

Re-entering the workforce after a significant break can be challenging, but it’s also an opportunity to showcase your resilience and the valuable skills you’ve developed during your time away.

The following cover letter example demonstrates how to effectively address employment gaps while highlighting your strengths and enthusiasm for the role.

• Strong opening statement : The cover letter begins with a compelling statement about the importance of adaptability and innovation, setting a positive and forward-thinking tone.
• Addresses employment gap : It acknowledges the employment gap upfront, providing context without dwelling on it, which demonstrates honesty and transparency.
• Highlights relevant experience : The letter emphasizes past accomplishments and specific projects, showcasing the candidate’s skills and ability to deliver results.
• Shows enthusiasm for the role : The candidate expresses excitement about re-entering the workforce and aligns their values with the company’s mission.
• Proposes next steps : It ends with a clear call to action, suggesting a meeting to discuss how the candidate can contribute to the company’s success.

Generate a perfectly crafted cover letter in seconds

If you’re still having trouble writing your cover letter, try Jobscan’s AI cover letter generator . It analyzes both your resume and the job ad to create a completely original cover letter customized for the job you’re applying for.

To learn more about how the cover letter generator works, watch this brief video:

You can try Jobscan’s cover letter generator for free below:

Key takeaways

Follow these key takeaways to write a compelling cover letter that sets you apart from other candidates and opens doors to new career opportunities.

• Write with the employer’s needs in mind. Explain how you can address their specific challenges and contribute to their goals.
• Keep it brief . Use short sentences and paragraphs to make it easy for hiring managers to scan quickly.
• Address your letter to a specific person . If you can’t find a name, “Dear Hiring Manager” will suffice.
• Showcase your relevant experience. Use specific examples to demonstrate your abilities.
• Inject your personality. Share brief anecdotes or unique experiences relevant to the job.
• End with a strong call to action . Suggest a meeting or a call to discuss how you can contribute to the company’s success.
• Proofread your letter. A single error can torpedo your chances at getting an interview.
• Show enthusiasm. Showing excitement and a willingness to learn can make you a more attractive candidate.

A cover letter should be one page long, consisting of three to four paragraphs. The total word count should be around 250-400 words.

When you don’t have a specific name, you can use “Dear Hiring Manager.” Avoid using “To Whom It May Concern,” as it is considered old-fashioned.

When emailing a cover letter, use a clear subject line like “Application for Content Developer – [Your Name].” Paste your cover letter into the email body. Attach your resume.

Yes, a cover letter is necessary because first impressions are important. By highlighting your qualifications and showing enthusiasm for the role, you can gain an advantage over someone who doesn’t send one.

Employers look for personalization in a cover letter, showing that it’s tailored to the specific job and company. Highlight relevant experience and skills that match the job requirements. Include specific achievements that demonstrate your capabilities and contributions.

Yes. Providing specific examples of your achievements helps demonstrate your skills and qualifications, making your application more compelling to employers.

A cover letter starts with your contact information, first and last name, the date, and the employer’s details. Begin with an introduction about your suitability for the role. Include a brief section highlighting relevant experience and skills with examples. Conclude by asking for an interview.

The primary goals of a simple cover letter are to get someone to read your resume and ultimately offer you a job interview. It also shows you have good communication skills, which are highly valuable in today’s workforce.

The opening sentence should state the problem the company faces or pose a thought-provoking question to grab the hiring manager’s attention.

Robert Henderson, CPRW, is a career advice writer and a resume expert at Jobscan.

Related Articles

August 2, 2024

July 8, 2024

June 27, 2024

November 8, 2023

April 3, 2023

March 28, 2023

June 10, 2021

June 9, 2020

Join 2 million job seekers who get bi-weekly job search tips

Get insider knowledge and ready-to-use job-seeking tips and hacks delivered to your inbox.

• Mar 26, 2024
• 11 min read

How to Write a Job Application Letter (Tips and Examples)

Your guide to getting your foot in the door.

Joanna Zambas

Content Manager and Career Expert

Reviewed by Chris Leitch

Do you have your heart set on a specific company but have never seen them post a single vacancy? And are you on the verge of giving up completely, and convinced you’re going to be jobless and broke for the rest of your life?

Well, don’t crumple your  perfectly written résumé  in a ball of paper just yet — there’s still hope for you!

All you need to do is write an awesome job application letter.

Application letters are a great way to get your foot in the door of a company that hasn’t advertised a position or when you’re applying for an academic program or an  internship .

So, what are you waiting for?

Read on to find out how to write a great job application letter (and land that  dream job  of yours in the process)!

What is a job application letter/email?

Whereas cover letters are used when applying for a specific vacancy, and include details which are complementary to what’s on the applicant’s résumé, application letters are submitted when there is no job opening, and they tend to be more detailed.

Unlike cover letters, which usually span about one page, application letters can be twice as long.

How should you structure your letter?

The structure and formatting of your application letter is just as important as the words you use to sell your skills and enthusiasm for the job. The pointers below will help you deliver your message in a professional and effective way.

Sender’s address

Begin your letter with your address listed in the left-hand corner of the page. In the US, it’s acceptable to list your address in the right-hand corner. (Skip this step if you’re going to send your application via email.)

If you’re applying via email, create an email address for professional use if you haven’t already. This should include your first and last names or initials — no nicknames or years of birth! Two appropriate examples are [email protected] and [email protected] .

As with any official letter, include the date of your letter below your address.

Subject line

The  subject of your email  should make the manager want to read more and not automatically press the “Delete” button. It could be something like: “Social Media Expert with over 5 Years of Experience”.

Inside address

The company’s address should appear a few lines below your address and the date. Skip this if you’re sending an email.

As with any formal letter, you need to open with the correct formal salutation (such as “Dear Mr [surname]” or “Dear Ms [surname]”).

It’s also best to find out who the head of the department is, and address your letter directly to them to show that you’ve taken the time to really do your research. If you begin with “Dear Hiring Manager”, for example, you’re potentially destroying your chances of getting the job you’re applying for.

Opening paragraph

The opening paragraph should provide details on why you’re getting in touch.

Think about what you want to achieve with this letter before forming your answer. For example, you could say that it’s been a dream of yours to work for the company and that you feel that, given the chance, you’d love to bring new skills and ideas to the table. You can also highlight any qualifications you have here.

Middle paragraph(s)

This is where you will explain why you’re suitable for the position by listing skills you’ve developed through previous work experience . Remember that this shouldn’t be a word-for-word copy of your résumé; rather, you should use this as an opportunity to expand on notable achievements.

And make sure you tailor the content of your letter to the particular job title and company you’re applying to — you don’t want to ramble on about irrelevant details.

Final paragraph

Finally, focus on what you bring to the table and how the company can benefit from your skills and experience. If you have statistics and figures to back up your claims, even better!

For example, if you’re an experienced project manager, you could say how you want to showcase your leadership skills and help the company reach its desired turnover, and then back this up with statistics on how you did just that in previous positions.

You should close your letter with a call-to-action. For example, you could say something like: “I look forward to hearing back from you to discuss any possibilities”. And don’t forget to thank the reader for their time!

Your name and signature

If you’re sending this by snail mail, opt for a handwritten signature. If, on the other hand, you’re sending an email, simply write your name, followed by your contact information.

Most application letter templates (and formal letter templates in general) use the Times New Roman typeface at 12 points. Other recommended fonts include Arial, Georgia and Calibri.

Tips for writing your letter

When it’s time to write an application letter, bear the following points in mind to ensure that your document captures the hiring manager’s attention and successfully creates the impression that you’d make a good fit for their company.

1. Include bullet points

Bullet points can be used as an effective formatting tool when writing your application letter. They can demonstrate points clearly and concisely, as well as help with the overall layout, allowing for bite-sized, readable chunks of information.

2. Make sure the language you use is easy to read

You might be a literary wizard , but those long words won’t impress the hiring manager if they make your letter difficult to read.

3. Use positive language

Positivity is the way forward when it comes to selling your skills to a potential employer. Therefore, you should use positive words when explaining your previous work experience.

These words include “assisted”, “conducted”, “executed”, “proposed” and “recommended”, which (when used right) can demonstrate your contribution and dedication to your role and organization.

4. Be creative

Depending on the industry that you’re interested in, you can be a bit creative with your approach . This means that you don’t have to follow the conventional structure of a cover letter, and can instead adopt a more story-like approach.

Should you add any attachments?

Since application letters are not submitted in response to particular job ads, but rather serve as an inquiry into any unadvertised openings which may be available, they tend to be standalone documents. That is to say they are not typically accompanied by other files.

Whereas cover letters are concise, tailored to the job posting and accompanied by résumés, your letter of application will be a more extensive account of your skills and experiences.

That being said, if you’re applying for a creative position such as that of a video editor or blog writer, it makes sense to include a few samples of your work that best represent your talent and ability.

Job application letter samples

The following application letter samples can give you an idea as to what to include in your letter, as well as how to structure it effectively.

1. Job application email sample

Dear Mr Cannon,

I have long been following your company’s growth and progress, being extremely passionate about clean, renewable energy. I remember coming across XYZ Renewables back in the early 2000s, when it was still in its early startup stages, and I admire how your leadership has grown the company since.

Having gained extensive experience as a solar consultant over the last decade, I have kept an eye out for any job opportunities with XYZ Renewables. This is why I am writing to you today: to express a keen interest in working with you in the future, should any solar consultation vacancies become available at your company.

In my current role at ABC Energies, I train new hires in advising and liaising with clients, as well as in designing and installing solar systems that cater to the needs and budget of our clients. I carry out the same duties myself, and have been commended for my customer service skills and technical know-how in solar systems installations. Over the last year, I have overseen and facilitated transactions totaling upwards of $1 million.

I appreciate you taking the time to read through my application. I hope that my skills and work experience can contribute to a fruitful collaboration down the line.

Yours sincerely,

Mark Rowling

2. Internship application email sample

Dear Ms Kipling,

Ever since I was a sophomore in high school, I’ve dreamed about pursuing an undergraduate degree in interior design and going on to work for an award-winning architectural firm. During my studies at AB College, where I graduated from just over a month ago, I became exposed to the works of various such firms, including your own.

XY Designs stood out to me for the simplicity of its designs (I am also a fan of Scandinavian interiors!) as well as its clever use of natural lighting and earthy colors and textures. In particular, I was impressed with the renovation of the Workwell coworking space you undertook and completed in 2022.

I believe that working alongside the designers on your team and under your mentorship would be an invaluable experience, which is why I am reaching out to enquire about any potential internship opportunities you may have this coming summer. During my studies, I have become proficient in using SketchUp and 3Ds Max, and completed my final project on Scandinavian interiors and architecture specifically. I am attaching a link to my final project portfolio below.

Thank you for your time, and I hope to hear back from you soon.

Respectfully,

3. Academic application letter sample

Gregory Allen Department of English AB University Syracuse, NY

Tuesday, March 26, 2024

Dear Mr Allen,

During my undergraduate studies in animation, I discovered — quite unexpectedly — a passion for writing, and specifically writing for film and television. Although up until that point I had believed myself to be a VFX artist in the making, the discovery caused me to reconsider. Today, I am writing to express my interest in the Creative Writing MA program at AB University.

During my final year at Arts College, I produced a screenplay for a short film, and found that setting up the scene and creating a whole new world in words was far more fascinating to me than trying to recreate it by moving around and rendering pixels on a screen. I received the highest mark out of everyone on my course for that piece of writing; and that was followed by my screenwriting professor’s recommendation: the way he spoke about AB University’s history and faculty removed any sort of doubt from my mind. It all became clear: this was to be my new path.

I have attached some writing samples, as per the application guidelines: my final-year screenplay as well as two pieces of prose I wrote in my free time. I hope that you may consider my application for a spot on the Creative Writing course.

I look forward to hearing back from you. Thank you for your time!

Best wishes,

Things to remember

From writing the first draft of your application letter to editing it and adding the final touches, remember to do the following:

1. Do your research

Research is one of the most important steps when it comes to  job searching ; you need to make sure that you know all there is about the organization you’re targeting and you should have a clear understanding of what their company culture is like.

2. Don’t forget to proofread

This goes without saying, but never send your application letter off without proofreading it. With so many readily available editing tools online, there’s no excuse for a careless typo or wordy sentences. Grammarly and Hemmingway are two of the most popular programs to help you perfect your writing.

3. Use their style of writing

You can usually guess a company’s style of writing from their website and publications. So, it’s important to try and keep your letter in line with this so they can see that you’re a real match for the position and that they’d be silly to not invite you for an interview.

Final thoughts

Whether you go to write a cover letter or an application letter, or even to put together a portfolio for a prospective employer to see, the same thing applies: everything you include must be related to the position you’re hoping to land.

So, before you’ve started writing, take time to consider which of your skills, qualities and achievements best portray you as a strong candidate , and how you can best convey your interest in (and suitability for) the company as a whole.

Have you ever written an application letter before? Do you have any other tips to share with fellow jobseekers? Leave us a comment in the comments section below!

Originally published on August 21, 2018. Updated by Electra Michaelidou.

Job Applications

Finding a Job

• Search Search Please fill out this field.
• Career Planning
• Finding a Job
• Cover Letters

How to Write a Job Application Letter (With Examples)

What Is a Job Application Letter?

Tips for writing a job application letter, how to get started.

• Writing Guidelines
• What to Include in Each Section

Simple Formatting Using a Template

Tips for writing an effective letter, sample job application letter, sending an email application, review more letter examples.

Do you need to write a letter to apply for a job? Most of the time, the answer is yes. Even when employers don’t require a job application letter , writing one will help you highlight your skills and achievements and get the hiring manager’s attention. The only time not to send one is when the job listing says not to do so. It can help, and it definitely won't hurt to include an application letter with your resume.

A job application letter, also known as a cover letter , should be sent or uploaded with your resume when applying for jobs. While your resume offers a history of your work experience and an outline of your skills and accomplishments, the job application letter you send to an employer explains why you are qualified for the position and should be selected for an interview.

Writing this letter can seem like a challenging task. However, if you take it one step at a time, you'll soon be an expert at writing application letters to send with your resume.

Melissa Ling / The Balance

Before you begin writing your job application letter, do some groundwork. Consider what information you want to include, and keep in mind that space is limited.

Remember, this letter is making a case for your candidacy for the position. But you should do more than just regurgitate your resume. Instead, highlight your most relevant skills, experiences, and abilities.

Analyze the Job Posting

To include the most convincing, relevant details in your letter, you'll need to know what the employer wants.

The biggest clues are within the job advertisement, so spend some time decoding the job listing . Next, match your qualifications with the employer's wants and needs.

Include Your Most Relevant Qualifications

Make a list of your relevant experience and skills. For instance, if the job ad calls for a strong leader, think of examples of when you've successfully led a team. Once you've jotted down some notes and have a sense of what you want to highlight in your letter, you're ready to start writing.

Writing Guidelines for Job Application Letters

Writing a job application letter is very different from a quick email to a friend or a thank-you note to a relative. Hiring managers and potential interviewers have certain expectations when it comes to the letter's presentation and appearance, from length (no more than a page) and font size to style and letter spacing . Keep these general guidelines in mind, but always stick to any explicit instructions in the job listing or application portal.

Length: A letter of application should be no more than one page long. Three to four paragraphs are typical.

Format and Page Margins: A letter of application should be single-spaced with a space between each paragraph. Use 1-inch margins and align your text to the left, which is the standard alignment for most documents.

Font: Use a traditional font such as Times New Roman, Arial, or Calibri. The font size should be between 10 and 12 points.

What to Include in Each Section of the Letter

There are also set rules for the sections included in the letter, from salutation to sign-off, and how the letter is organized. Here's a quick overview of the main sections included in a job application letter:

Heading: A job application letter should begin with both your and the employer's contact information (name, address, phone number, email), followed by the date. If this is an email rather than an actual letter, include your contact information at the end of the letter, after your signature.

•   Header Examples

Salutation: This is your polite greeting. The most common salutation is "Dear Mr./Ms." followed by the person's last name. Find out more about appropriate cover letter salutations , including what to do if you don't know the person's name or are unsure of a contact's gender.

Body of the letter: Think of this section as having three distinct parts.

In the first paragraph , you'll want to mention the job you are applying for and where you saw the job listing.

The next paragraph(s) are the most important part of your letter. Remember how you gathered information about what the employer was seeking, and how you could meet their needs? This is where you'll share those relevant details on your experience and accomplishments.

The third and last part of the body of the letter will be your thank you to the employer; you can also offer follow-up information.

Complimentary Close: Sign off your email or letter with a polite close, such as "Best," or "Sincerely," followed by your name.

• Closing Examples

Signature: When you're sending or uploading a printed letter, end with your handwritten signature, followed by your typed name. If this is an email, simply include your typed name, followed by your contact information.

• Signature Examples

Overwhelmed by all these formatting and organization requirements? One way to make the process of writing a job application easier is to use a template to create your own personalized letters. Having a template can help save you time if you are sending a lot of application letters.

Be sure that each letter you send is personalized to the company and position; do not send the same letter to different companies.

• Always write one. Unless a job posting explicitly says not to send a letter of application or cover letter, you should always send one. Even if the company does not request a letter of application, it never hurts to include one. If they do ask you to send a letter, make sure to follow the directions exactly (for example, they might ask you to send the letter as an email attachment or type it directly into their online application system).
• Use business letter format. Use a formal business letter format when writing your letter. Include your contact information at the top, the date, and the employer’s contact information. Be sure to provide a salutation at the beginning and your signature at the end.
• Sell yourself. Throughout the letter, focus on how you would benefit the company. Provide specific examples of times when you demonstrated skills or abilities that would be useful for the job, especially those listed in the job posting or description. If possible, include examples of times when you added value to a company.

Numerical values offer concrete evidence of your skills and accomplishments.

• Use keywords. Reread the job listing, taking note of any keywords (such as skills or abilities that are emphasized in the listing). Try to include some of those words in your cover letter. This will help the employer see that you are a strong fit for the job.
• Keep it brief. Keep your letter under a page long, with no more than about four paragraphs. An employer is more likely to read a concise letter.
• Proofread and edit. Employers are likely to overlook an application with a lot of errors. Read through your cover letter, and if possible, ask a friend or career counselor to review the letter. Proofread for any grammar or spelling errors.

This is a job application letter sample.  Download the letter template (compatible with Google Docs or Word Online) or read the example below.

Sample Job Application Letter (Text Version)

Elizabeth Johnson 12 Jones Street Portland, Maine 04101 555-555-5555 elizabethjohnson@emailaddress.com

August 11, 2024

Mark Smith Human Resources Manager Veggies to Go 238 Main Street Portland, Maine 04101

Dear Mr. Smith,

I was so excited when my former coworker, Jay Lopez, told me about your opening for an administrative assistant in your Portland offices. A long-time Veggies to Go customer and an experienced admin, I would love to help the company achieve its mission of making healthy produce as available as takeout.

I’ve worked for small companies for my entire career, and I relish the opportunity to wear many hats and work with the team to succeed. In my latest role as an administrative assistant at Beauty Corp, I saved my employer thousands of dollars in temp workers by implementing a self-scheduling system for the customer service reps that cut down on canceled shifts. I also learned web design and timesheet coding, and I perfected my Excel skills. 

I’ve attached my resume for your consideration and hope to speak with you soon about your needs for the role.

Best Regards,

Elizabeth Johnson (signature hard copy letter)

Elizabeth Johnson

When you are sending your letter via email include the reason you are writing in the subject line of your message:

Subject Line Example

Subject: Elizabeth Johnson – Administrative Assistant Position

List your contact information in your signature, rather than in the body of the letter:

Email Signature Example

Elizabeth Johnson 555-555-5555 email@emailaddress.com

Review more examples of professionally written cover letters for a variety of circumstances, occupations, and job types.

CareerOneStop. " How Do I Write a Cover Letter? "

University of Maryland Global Campus. " Cover Letters ."

How it works

Transform your enterprise with the scalable mindsets, skills, & behavior change that drive performance.

Explore how BetterUp connects to your core business systems.

We pair AI with the latest in human-centered coaching to drive powerful, lasting learning and behavior change.

Build leaders that accelerate team performance and engagement.

Unlock performance potential at scale with AI-powered curated growth journeys.

Build resilience, well-being and agility to drive performance across your entire enterprise.

Transform your business, starting with your sales leaders.

Unlock business impact from the top with executive coaching.

Foster a culture of inclusion and belonging.

Accelerate the performance and potential of your agencies and employees.

See how innovative organizations use BetterUp to build a thriving workforce.

Discover how BetterUp measurably impacts key business outcomes for organizations like yours.

Daring Leadership Institute: a groundbreaking partnership that amplifies Brené Brown's empirically based, courage-building curriculum with BetterUp’s human transformation platform.

• What is coaching?

Learn how 1:1 coaching works, who its for, and if it's right for you.

Accelerate your personal and professional growth with the expert guidance of a BetterUp Coach.

Types of Coaching

Navigate career transitions, accelerate your professional growth, and achieve your career goals with expert coaching.

Enhance your communication skills for better personal and professional relationships, with tailored coaching that focuses on your needs.

Find balance, resilience, and well-being in all areas of your life with holistic coaching designed to empower you.

Discover your perfect match : Take our 5-minute assessment and let us pair you with one of our top Coaches tailored just for you.

Research, expert insights, and resources to develop courageous leaders within your organization.

Best practices, research, and tools to fuel individual and business growth.

View on-demand BetterUp events and learn about upcoming live discussions.

The latest insights and ideas for building a high-performing workplace.

• BetterUp Briefing

The online magazine that helps you understand tomorrow's workforce trends, today.

Innovative research featured in peer-reviewed journals, press, and more.

Founded in 2022 to deepen the understanding of the intersection of well-being, purpose, and performance

We're on a mission to help everyone live with clarity, purpose, and passion.

Join us and create impactful change.

Read the buzz about BetterUp.

Meet the leadership that's passionate about empowering your workforce.

For Business

For Individuals

How to write a great cover letter in 2024: tips and structure

A cover letter is a personalized letter that introduces you to a potential employer, highlights your qualifications, and explains why you're a strong fit for a specific job.

Hate or love them, these brief documents allow job seekers to make an impression and stand out from the pile of other applications. Penning a thoughtful cover letter shows the hiring team you care about earning the position.

Here’s everything you need to know about how to write a cover letter — and a great one, at that.

What is a cover letter and why does it matter?

A professional cover letter is a one-page document you submit alongside your CV or resume as part of a job application. Typically, they’re about half a page or around 150–300 words.

An effective cover letter doesn’t just rehash your CV; it’s your chance to highlight your proudest moments, explain why you want the job, and state plainly what you bring to the table.

Show the reviewer you’re likable, talented, and will add to the company’s culture . You can refer to previous jobs and other information from your CV, but only if it helps tell a story about you and your career choices .

What 3 things should you include in a cover letter?

A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include:

1. Personalization

Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find out who will be reviewing applications. Personalizing your cover letter shows that you've taken the time to tailor your application to the specific company and role.

2. Highlight relevant achievements and skills

Emphasize your most relevant skills , experiences, and accomplishments that directly relate to the job you're applying for. Provide specific examples of how your skills have benefited previous employers and how they can contribute to the prospective employer's success. Use quantifiable achievements , such as improved efficiency, cost savings, or project success, to demonstrate your impact.

3. Show enthusiasm and fit

Express your enthusiasm for the company and the position you're applying for. Explain why you are interested in this role and believe you are a good fit for the organization. Mention how your values, goals, and skills align with the company's mission and culture. Demonstrating that you've done your research can make a significant impression.

What do hiring managers look for in a cover letter?

Employers look for several key elements in a cover letter. These include:

Employers want to see that your cover letter is specifically tailored to the position you are applying for. It should demonstrate how your skills, experiences, and qualifications align with the job requirements.

Clear and concise writing

A well-written cover letter is concise, easy to read, and error-free. Employers appreciate clear and effective communication skills , so make sure your cover letter showcases your ability to express yourself effectively.

Demonstrated knowledge of the company

Employers want to see that you are genuinely interested in their organization. Mention specific details about the company, such as recent achievements or projects, to show that you are enthusiastic about joining their team.

Achievements and accomplishments

Highlight your relevant achievements and accomplishments that demonstrate your qualifications for the position. Use specific examples to showcase your skills and show how they can benefit the employer.

Enthusiasm and motivation

Employers want to hire candidates who are excited about the opportunity and motivated to contribute to the company's success. Express your enthusiasm and passion for the role and explain why you are interested in working for the company.

Professionalism

A cover letter should be professional in tone and presentation. Use formal language, address the hiring manager appropriately, and follow standard business letter formatting.

How do you structure a cover letter?

A well-structured cover letter follows a specific format that makes it easy for the reader to understand your qualifications and enthusiasm for the position. Here's a typical structure for a cover letter:

Contact information

Include your name, address, phone number, and email address at the top of the letter. Place your contact information at the beginning so that it's easy for the employer to reach you.

Employer's contact information

Opening paragraph, middle paragraph(s), closing paragraph, complimentary close, additional contact information.

Repeat your contact information (name, phone number, and email) at the end of the letter, just in case the employer needs it for quick reference.

Remember to keep your cover letter concise and focused. It should typically be no more than one page in length. Proofread your letter carefully to ensure it is free from spelling and grammatical errors. Tailor each cover letter to the specific job application to make it as relevant and impactful as possible.

How to write a good cover letter (with examples)

The best letters are unique, tailored to the job description, and written in your voice — but that doesn’t mean you can’t use a job cover letter template.

Great cover letters contain the same basic elements and flow a certain way. Take a look at this cover letter structure for ref erence while you construct your own.

1. Add a header and contact information

While reading your cover letter, the recruiter shouldn’t have to look far to find who wrote it. Your document should include a basic heading with the following information:

• Pronouns (optional)
• Location (optional)
• Email address
• Phone number (optional)
• Relevant links, such as your LinkedIn profile , portfolio, or personal website (optional)

You can pull this information directly from your CV. Put it together, and it will look something like this:

Christopher Pike

San Francisco, California

[email protected]

Alternatively, if the posting asks you to submit your cover letter in the body of an email, you can include this information in your signature. For example:

Warm regards,

Catherine Janeway

Bloomington, Indiana

[email protected]

(555) 999 - 2222

2. Include a personal greeting

Always begin your cover letter by addressing the hiring manager — preferably by name. You can use the person’s first and last name. Make sure to include a relevant title, like Dr., Mr., or Ms. For example, “Dear Mr. John Doe.”

Avoid generic openings like “To whom it may concern,” “Dear sir or madam,” or “Dear hiring manager.” These introductions sound impersonal — like you’re copy-pasting cover letters — and can work against you in the hiring process.

Be careful, though. When using someone’s name, you don’t want to use the wrong title or accidentally misgender someone. If in doubt, using only their name is enough. You could also opt for a gender-neutral title, like Mx.

Make sure you’re addressing the right person in your letter — ideally, the person who’s making the final hiring decision. This isn’t always specified in the job posting, so you may have to do some research to learn the name of the hiring manager.

3. Draw them in with an opening story

The opening paragraph of your cover letter should hook the reader. You want it to be memorable, conversational, and extremely relevant to the job you’re pursuing. 

There’s no need for a personal introduction — you’ve already included your name in the heading. But you should make reference to the job you’re applying for. A simple “Thank you for considering my application for the role of [job title] at [company],” will suffice.

Then you can get into the “Why” of your job application. Drive home what makes this specific job and this company so appealing to you. Perhaps you’re a fan of their products, you’re passionate about their mission, or you love their brand voice. Whatever the case, this section is where you share your enthusiasm for the role.

Here’s an example opening paragraph. In this scenario, you’re applying for a digital marketing role at a bicycle company:

“Dear Mr. John Doe,

Thank you for considering my application for the role of Marketing Coordinator at Bits n’ Bikes.

My parents bought my first bike at one of your stores. I’ll never forget the freedom I felt when I learned to ride it. My father removed my training wheels, and my mom sent me barrelling down the street. You provide joy to families across the country — and I want to be part of that.”

4. Emphasize why you’re best for the job

Your next paragraphs should be focused on the role you’re applying to. Highlight your skill set and why you’re a good fit for the needs and expectations associated with the position. Hiring managers want to know what you’ll bring to the job, not just any role.

Start by studying the job description for hints. What problem are they trying to solve with this hire? What skills and qualifications do they mention first or more than once? These are indicators of what’s important to the hiring manager.

Search for details that match your experience and interests. For example, if you’re excited about a fast-paced job in public relations, you might look for these elements in a posting:

• They want someone who can write social media posts and blog content on tight deadlines
• They value collaboration and input from every team member
• They need a planner who can come up with strong PR strategies

Highlight how you fulfill these requirements:

“I’ve always been a strong writer. From blog posts to social media, my content pulls in readers and drives traffic to product pages. For example, when I worked at Bits n’ Bikes, I developed a strategic blog series about bike maintenance that increased our sales of spare parts and tools by 50% — we could see it in our web metrics.

Thanks to the input of all of our team members, including our bike mechanics, my content delivered results.”

5. End with a strong closing paragraph and sign off gracefully

Your closing paragraph is your final chance to hammer home your enthusiasm about the role and your unique ability to fill it. Reiterate the main points you explained in the body paragraphs and remind the reader of what you bring to the table.

You can also use the end of your letter to relay other important details, like whether you’re willing to relocate for the job.

When choosing a sign-off, opt for a phrase that sounds professional and genuine. Reliable options include “Sincerely” and “Kind regards.”

Here’s a strong closing statement for you to consider:

“I believe my enthusiasm, skills, and work experience as a PR professional will serve Bits n’ Bikes very well. I would love to meet to further discuss my value-add as your next Director of Public Relations. Thank you for your consideration. I hope we speak soon.

Tips to write a great cover letter that compliments your resume

When writing your own letter, try not to copy the example excerpts word-for-word. Instead, use this cover letter structure as a baseline to organize your ideas. Then, as you’re writing, use these extra cover letter tips to add your personal touch:

• Keep your cover letter different from your resume : Your cover letter should not duplicate the information on your resume. Instead, it should provide context and explanations for key points in your resume, emphasizing how your qualifications match the specific job you're applying for.
• Customize your cover letter . Tailor your cover letter for each job application. Address the specific needs of the company and the job posting, demonstrating that you've done your homework and understand their requirements.
• Show enthusiasm and fit . Express your enthusiasm for the company and position in the cover letter. Explain why you are interested in working for this company and how your values, goals, and skills align with their mission and culture.
• Use keywords . Incorporate keywords from the job description and industry terms in your cover letter. This can help your application pass through applicant tracking systems (ATS) and demonstrate that you're well-versed in the field.
• Keep it concise . Your cover letter should be succinct and to the point, typically no more than one page. Focus on the most compelling qualifications and experiences that directly support your application.
• Be professional . Maintain a professional tone and structure in your cover letter. Proofread it carefully to ensure there are no errors.
• Address any gaps or concerns . If there are gaps or concerns in your resume, such as employment gaps or a change in career direction, briefly address them in your cover letter. Explain any relevant circumstances and how they have shaped your qualifications and determination.
• Provide a call to action . Conclude your cover letter with a call to action, inviting the employer to contact you for further discussion. Mention that you've attached your resume for their reference.
• Follow the correct format . Use a standard cover letter format like the one above, including your contact information, a formal salutation, introductory and closing paragraphs, and your signature. Ensure that it complements your resume without redundancy.
• Pick the right voice and tone . Try to write like yourself, but adapt to the tone and voice of the company. Look at the job listing, company website, and social media posts. Do they sound fun and quirky, stoic and professional, or somewhere in-between? This guides your writing style.
• Tell your story . You’re an individual with unique expertise, motivators, and years of experience. Tie the pieces together with a great story. Introduce how you arrived at this point in your career, where you hope to go , and how this prospective company fits in your journey. You can also explain any career changes in your resume.
• Show, don’t tell . Anyone can say they’re a problem solver. Why should a recruiter take their word for it if they don’t back it up with examples? Instead of naming your skills, show them in action. Describe situations where you rose to the task, and quantify your success when you can.
• Be honest . Avoid highlighting skills you don’t have. This will backfire if they ask you about them in an interview. Instead, shift focus to the ways in which you stand out.
• Avoid clichés and bullet points . These are signs of lazy writing. Do your best to be original from the first paragraph to the final one. This highlights your individuality and demonstrates the care you put into the letter.
• Proofread . Always spellcheck your cover letter. Look for typos, grammatical errors, and proper flow. We suggest reading it out loud. If it sounds natural rolling off the tongue, it will read naturally as well.

Common cover letter writing FAQs

How long should a cover letter be.

A cover letter should generally be concise and to the point. It is recommended to keep it to one page or less, focusing on the most relevant information that highlights your qualifications and fits the job requirements.

Should I include personal information in a cover letter?

While it's important to introduce yourself and provide your contact information, avoid including personal details such as your age, marital status, or unrelated hobbies. Instead, focus on presenting your professional qualifications and aligning them with the job requirements.

Can I use the same cover letter for multiple job applications?

While it may be tempting to reuse a cover letter, it is best to tailor each cover letter to the specific job you are applying for. This allows you to highlight why you are a good fit for that particular role and show genuine interest in the company.

Do I need to address my cover letter to a specific person?

Whenever possible, it is advisable to address your cover letter to a specific person, such as the hiring manager or recruiter. If the job posting does not provide this information, try to research and find the appropriate contact. If all else fails, you can use a generic salutation such as "Dear Hiring Manager."

Should I include references in my cover letter?

It is generally not necessary to include references in your cover letter. Save this information for when the employer explicitly requests it. Instead, focus on showcasing your qualifications and achievements that make you a strong candidate for the position.

It’s time to start writing your stand-out cover letter

The hardest part of writing is getting started. 

Hopefully, our tips gave you some jumping-off points and confidence . But if you’re really stuck, looking at cover letter examples and resume templates will help you decide where to get started. 

There are numerous sample cover letters available online. Just remember that you’re a unique, well-rounded person, and your cover letter should reflect that. Using our structure, you can tell your story while highlighting your passion for the role. 

Doing your research, including strong examples of your skills, and being courteous is how to write a strong cover letter. Take a breath , flex your fingers, and get typing. Before you know it, your job search will lead to a job interview.

If you want more personalized guidance, a specialized career coach can help review, edit, and guide you through creating a great cover letter that sticks.

Ace your job search

Explore effective job search techniques, interview strategies, and ways to overcome job-related challenges. Our coaches specialize in helping you land your dream job.

Elizabeth Perry, ACC

Elizabeth Perry is a Coach Community Manager at BetterUp. She uses strategic engagement strategies to cultivate a learning community across a global network of Coaches through in-person and virtual experiences, technology-enabled platforms, and strategic coaching industry partnerships. With over 3 years of coaching experience and a certification in transformative leadership and life coaching from Sofia University, Elizabeth leverages transpersonal psychology expertise to help coaches and clients gain awareness of their behavioral and thought patterns, discover their purpose and passions, and elevate their potential. She is a lifelong student of psychology, personal growth, and human potential as well as an ICF-certified ACC transpersonal life and leadership Coach.

3 cover letter examples to help you catch a hiring manager’s attention

Chatgpt cover letters: how to use this tool the right way, how to write an impactful cover letter for a career change, write thank you letters after interviews to stand out as job applicant, send a thank you email after an internship to boost your career, character references: 4 tips for a successful recommendation letter, use professional reference templates to make hiring smoother, tips and tricks for writing a letter of interest (with examples), what is a letter of intent examples on how to write one, 5 tips for reentering the workforce, anxious about meetings learn how to run a meeting with these 10 tips, how to write a job application email that gets a reply, how to write a letter of recommendation (with examples), stay connected with betterup, get our newsletter, event invites, plus product insights and research..

3100 E 5th Street, Suite 350 Austin, TX 78702

• Platform Overview
• Integrations
• Powered by AI
• BetterUp Lead™
• BetterUp Manage™
• BetterUp Care®
• Sales Performance
• Diversity & Inclusion
• Case Studies
• Why BetterUp?
• About Coaching
• Find your Coach
• Career Coaching
• Communication Coaching
• Personal Coaching
• News and Press
• Leadership Team
• Become a BetterUp Coach
• BetterUp Labs
• Center for Purpose & Performance
• Leadership Training
• Business Coaching
• Contact Support
• Contact Sales
• Privacy Policy
• Acceptable Use Policy
• Trust & Security
• Cookie Preferences

How to write an application letter (with example)

Are you ready for a new challenge and a fresh start in your career? An eye-catching application letter is essential when you’re applying for new jobs, if you want to make a great first impression on potential employers.

There’s a process to creating an outstanding application letter. It starts with researching the company and tailoring your letter, and ends with editing and formatting your application in a polished and easy to read way. In this guide, we show you how to write an application letter that highlights your strengths and qualifications relevant to the position. 

Why is a cover letter important?

When you’re job seeking, a compelling application letter will help increase your chances of success. An application letter, also known as a cover letter, serves as your professional introduction to potential employers. It’s your chance to demonstrate your qualifications, skills and excitement for the job.

While your resumé provides a snapshot of your work history and achievements, application letters let you expand on your experiences. They provide an opportunity to highlight specific accomplishments, express your motivation and explain why you’d be the right fit for the job.

What to write in an application letter

The key to a great application letter is in making it complement your resumé. Unlike a resumé, which focuses solely on presenting facts and details, an application letter adds a personal touch to your job application. It lets you tell your professional story, showcase your personality and convey your passion for the industry and the organisation you’re applying at.

The typical application letter consists of several key components. It begins with a traditional letter header, followed by a greeting addressed to the hiring manager or relevant contact. Then there’s the body of the letter, which should be one to three paragraphs long, each addressing different job criteria. After that, there’s a conclusion and a valediction (your sign-off). 

If you find writing an application letter daunting, it might be helpful to download a template as a starting point, or use AI tools to provide an outline for you to personalise. 

Before you start writing, do some research

Start by thoroughly reading and understanding the job description. Take note of the key responsibilities, qualifications and skills required for the role. Pay attention to any keywords or phrases used in the job ad, as these can guide your letter-writing process.

Next, research the company itself. Visit their website, read about their mission, values and recent news and take a look at their social media accounts. You don’t need to do a deep dive into every company you’re applying at, but it does help to have some background knowledge – otherwise, how will you know you want to work there? This includes understanding the type of organisation it is and what your job requirements are likely to be. You might also get a feel for the company culture.

Use the information you’ve gathered to draft a persuasive letter  that shows how your qualifications match with the company’s needs, goals and culture. Highlight any specific experiences, achievements or skills that illustrate why you’d be right for the role.

Formatting a cover letter

When it comes to formatting your application letter, the goal is to make it easy to read. Aim for a simple format that’s clean and uncluttered. Choose a clear and legible font such as Arial, Calibri or Times New Roman – or the same font you used on your resumé . Stick to a font size between 10 and 12 points to ensure readability.

Remember to keep your letter concise, aiming for no more than one page. Use clear, everyday English, avoiding overly technical terms or jargon. And of course, proofread your letter carefully when you’re done, to catch any typos or errors.

The opening paragraph

At the top-left of the page, begin with your contact information, including your name, location, phone number and email address. Include the date on the line below.

Next, address the letter to the hiring manager or the appropriate recipient, using a formal greeting such as Dear [Hiring Manager's Name] . If you can’t find the hiring manager's name, you can use a more general term like To whom it may concern .

In the first sentence, clearly state the specific job title and company. This goes at the top so that the recruiter or hiring manager knows immediately what the letter is about.

The body of the letter: Experience, skills and qualifications

The middle of your cover letter should consist of two or three concise paragraphs. Here is where you elaborate on your skills and qualifications, emphasising your achievements and how they align with the requirements of the job.

Think about specific instances where your strengths and skills made an impact at work, providing quantifiable results if you can. For example, you could talk about projects you worked on or goals you met, mentioning real figures if you have them.

With every skill or experience you mention, make sure you connect them to the role’s requirements. Reference key aspects of the job description in your letter. Got no relevant experience? Focus on extracurricular activities and education. 

Lastly, consider highlighting any certifications, awards or professional development courses you’ve completed. These achievements can further enhance your application and show that you’re committed to continuous learning and professional growth.

Above all, be honest about your qualifications. Avoid exaggerating or stretching the truth. If there are areas where you're lacking, acknowledge them and express your willingness to learn and grow.

Use the third paragraph to either mention more skills or experience (if you are applying for a more senior position) or to highlight what interests you about the company and how your passions and aspirations align with the company’s mission and values.

The closing paragraph of your cover letter

The fourth paragraph of your application letter is your conclusion. Here you can give a brief recap of your skills and reaffirm your enthusiasm for the job. You can also include a call to action, like inviting the employer to schedule an interview or visit your online portfolio.

In your conclusion you might also mention any follow-up actions you plan to take. For instance, you might say you’ll be following up with an email within a few weeks. End your letter with a traditional closing sign-off, such as Sincerely or Best regards .

Your closing paragraph should be concise and impactful, without repeating anything information from the middle paragraphs.

Editing and proofreading an application letter.

Before you send your application, proofread it closely to make sure it’s error-free. Typos or grammatical slip ups can look unprofessional and detract from your application, so it’s worth the extra effort to give your letter a once-over.

Consider enlisting the help of a friend or family member to review your letter with fresh eyes. Just showing it to someone else will often help to catch mistakes or areas for improvement that you might have missed. 

You should also cut certain words from your cover letter if you want it to make an impactful first impression. 

Following up after a job application

Following up  after submitting an application letter can show your interest to potential employers. If you don’t hear back from an employer within two weeks, it’s okay to follow up and ask about the status of your application. 

This shows your enthusiasm for the role, tells them you’re still interested, and puts you front of mind. When following up, make sure your communication is professional and polite, and avoid sending multiple follow-up emails within a short timeframe.

Here’s a follow-up email template to give you a head start. 

Tips for job application success

Here are some quick tips for writing application letters that stand out – and some advice for managing the job search process overall. 

• Tailor your application letter to the job, every time . Create your application letter specifically for the job and company you’re applying to. This means writing a slightly different one, every time. Show how your skills, experience and career aspirations are a good match for the company's needs and goals. Make extra sure you’re sending the right application letter to the right company. 
• Keep your letter clear and concise. An application letter should be straight to the point and easy to read. Aim for a one-page letter, unless otherwise specified in the job posting. Avoid unnecessary details and focus on the most relevant information to the job ad. Writing a good cover letter shows you have solid written communication skills.
• Use action verbs and descriptive language. Enhance your application letter by using strong action verbs, for example: instead of I was responsible for a team , write something like, I led a team of 10 high-performing staff .
• Show thanks and follow up.  After submitting your application, if you haven’t heard back after two weeks, send a follow-up email to the hiring manager. Reiterate your enthusiasm for the position. Use this opportunity to provide additional information or clarify any points in your application.
• Keep track of your applications. Have a system for keeping track of each application, noting the date you applied, the job title and company, and any notes or communication you’ve had. Mark them up on a calendar or put them into a spreadsheet. This will help you stay on top of your applications and avoid missing any emails that may have fallen through the cracks. A tracking system will also help if you get a call about a job and need to quickly refresh your memory on the details of it. Additionally, keep all your job cover letters in one folder, so you can refer back to them and repurpose them for future applications.

Dos and don’ts

Once you’ve written your application letter, you can refine it even more by applying these dos and don’ts. 

• Do add a personal touch . Giving your cover letter a personal touch can make it stand out to potential employers. Share a brief anecdote or personal experience that connects you to the role or company. This helps humanise your application and gives the employer insight into your personality and motivations. 

For example, applying for a job in healthcare:  I come from a family of healthcare professionals and grew up with the desire to work in a field where I could make a positive impact on others’ lives.

• Do tailor your language and tone . Try to match your tone and language to the company’s style (from their official website, rather than social media accounts.) If their website language is very formal, you should mirror that in your cover letter. If their tone of voice is more relaxed, you can take a warmer, more informal tone. Always maintain a professional tone – don’t be too laidback or colloquial.
• Do take out anything that’s irrelevant.  Is there information in your cover letter that isn’t really related to the job? Consider removing it. Avoid unnecessary details and focus on delivering the most important information only.
• Do proofread carefully . Having a perfectly edited letter means you have good attention to detail. Run your letter through spell-check and read it aloud to someone, to make sure it flows logically. Get feedback from a mentor or former teacher.
• Don’t use generic templates without tailoring them . The hiring manager will know if you’ve used a generic application letter. A template is a good starting point, but you need to tailor it to each job opportunity.
• Don’t exaggerate or misrepresent your qualifications.  Be honest and transparent about your skills and qualifications. Exaggerating or misrepresenting your abilities will likely backfire. An employer will be able to tell if you don’t have the knowledge and abilities you claim to have. 

Example of an honest representation:  I have basic experience with XYZ software, and I'm eager to improve on these skills. In my previous roles, I’ve been able to master new programs quickly.  

Example of an exaggeration:  I have intermediate knowledge of XYZ Analytics software having used this tool in my previous roles.

• Don’t use industry jargon.  While it’s important to express your knowledge of the industry, avoid using jargon or buzzwords, for example, terms like ROI, strategic initiatives, go-getter, etc. Also consider avoiding technical terms that may not be familiar to the reader.
• Don’t neglect to follow up. After submitting your application letter, send a follow-up email. Even if you don’t hear back from the employer, you’ll know you made every effort to get your application seen. A negative response from them will also allow you to close that application on your tracker. 

An application letter template

If you’re not confident in drafting a cover letter, it can help to use a professional template. Here’s one you can tailor for your job application. Below this is a sample application letter that puts this structure into practice. 

[Your name here] [Your contact number] [Your email address] [Suburb, State Postcode]

Dear [hiring manager’s name],

 [Intro] I’m writing to express my interest in the [job title] position at [company name]. [Share a personal anecdote if you have one, or briefly explain why you decided to apply for the role.] 

[Body paragraph 1: write about your experience, skills and any specific industry knowledge that could be valuable to the role.   Include any personal attributes that show how you’re an excellent fit for the company. Include one of your main acheivements that directly relates to the role.]

[Body paragraph 2: write about what interests you about the role and about the organisation. You might mention your career goals or the company’s vision and values.]

[Closing paragraph: reaffirm your interest in the position. Include a call to action.]

[Your name]

Sample application letter

Jean-Charles Mak 043X 123-X123 JCmak@g_mail.com

29 February 2025

Dear Ms Lee,

I’m writing to express my interest in the Assistant Manager position at X-Arcade as advertised on SEEK. From a young age, I’ve been passionate about the unique learning, entertainment and social aspects of video gaming. Having spent three years in the games-retail industry, I’m excited by the prospect of contributing to the success of your award-winning company.

Throughout my career, I have consistently demonstrated exceptional customer service. In my previous role at Tornado Thunder, I managed gaming rooms and was awarded Employee of the Month three times in 18 months. In my team-leadership role at PlayZone, I frequently demonstrated skills in de-escalating situations and problem solving under pressure, as well as cash handling and POS. Additionally, I have more than a decade of experience in gaming technologies across multiple platforms and consoles.

I feel that this role at X-Arcade is the perfect match for my abilities and aspirations. I'm inspired by the company’s approach to sustainability, inclusivity, and its target to become the largest arcade company in Australia by 2025. 

I’m confident that my proven track record and passion make me the ideal person for this position. I’ve attached my resumé for your review, which provides detailed insights into my experience and accomplishments. Thank you for considering my application. I’m excited about the prospect of joining X-Arcade and look forward to hearing from you. 

Writing an application letter takes a little planning and a lot of attention to detail. Personalising your letter and highlighting relevant skills and achievements can help you catch a hiring manager’s attention and get a callback for an interview. Take the time to create a well-written and error-free letter that shows your concientiousness and enthusiasm – desireable qualities in any employee. 

1. What should I include in an application letter?

Your application letter should include the following elements:

• Your contact information (name, suburb, city, phone number, email)
• The recipient’s contact information (name, job title, company name, address)
• A greeting (such as Dear Hiring Manager  or To whom it may concern )
• An introduction that states the position you’re applying for and expresses your interest in the company
• Body paragraphs that highlight your relevant skills and experience, and explain why you’re a good fit for the role
• A closing paragraph that thanks the hiring manager for their time and consideration, and reiterates your interest in the position

2. How long should an application letter be?

An application letter should be concise and to the point, typically no longer than one page. Aim for around three to four paragraphs, or about 300–600 words.

3. How should I address the letter if I don’t know the hiring manager’s name?

If you don’t know the name of the hiring manager, you can address the letter like this: To the Hiring Manager or To whom it may concern .

4. How should I follow up after sending an application letter?

After sending an application letter, it’s a good idea to send a follow-up email. This shows your gratitude for the opportunity and reinforces your interest in the position. You can follow up via email with a brief and professional message.

5. What are some common mistakes to avoid when writing an application letter?

Some common mistakes to avoid when writing an application letter include:

• Using a generic template without highlighting your unique skills and qualifications
• Exaggerating or misrepresenting your qualifications
• Using too much industry jargon, technical terminologies or flowery language
• Neglecting to proofread your letter before sending it

Top search terms

Explore related topics, subscribe to career advice.

• PRO Courses Guides New Tech Help Pro Expert Videos About wikiHow Pro Upgrade Sign In
• EDIT Edit this Article
• EXPLORE Tech Help Pro About Us Random Article Quizzes Request a New Article Community Dashboard This Or That Game Happiness Hub Popular Categories Arts and Entertainment Artwork Books Movies Computers and Electronics Computers Phone Skills Technology Hacks Health Men's Health Mental Health Women's Health Relationships Dating Love Relationship Issues Hobbies and Crafts Crafts Drawing Games Education & Communication Communication Skills Personal Development Studying Personal Care and Style Fashion Hair Care Personal Hygiene Youth Personal Care School Stuff Dating All Categories Arts and Entertainment Finance and Business Home and Garden Relationship Quizzes Cars & Other Vehicles Food and Entertaining Personal Care and Style Sports and Fitness Computers and Electronics Health Pets and Animals Travel Education & Communication Hobbies and Crafts Philosophy and Religion Work World Family Life Holidays and Traditions Relationships Youth
• Browse Articles
• Learn Something New
• Quizzes Hot
• Happiness Hub
• This Or That Game
• Train Your Brain
• Explore More
• Support wikiHow
• About wikiHow
• Log in / Sign up
• Job Application Documents
• Cover Letters

How to Write an Application Letter

Last Updated: May 6, 2024 Fact Checked

This article was co-authored by Alexander Ruiz, M.Ed. . Alexander Ruiz is an Educational Consultant and the Educational Director of Link Educational Institute, a tutoring business based in Claremont, California that provides customizable educational plans, subject and test prep tutoring, and college application consulting. With over a decade and a half of experience in the education industry, Alexander coaches students to increase their self-awareness and emotional intelligence while achieving skills and the goal of achieving skills and higher education. He holds a BA in Psychology from Florida International University and an MA in Education from Georgia Southern University. There are 7 references cited in this article, which can be found at the bottom of the page. This article has been fact-checked, ensuring the accuracy of any cited facts and confirming the authority of its sources. This article has been viewed 177,242 times.

Application letters are typically written to accompany school or job applications. The purpose of the letter is to introduce yourself to the decision committee, and to outline your qualifications in a specific way. It can be the only time other than an interview that you have a chance to really stand out in an application, so it's important to get it right. You can learn what to include in your letter, how to style it, and how to format it to give yourself the best chance.

Application Letter Templates

Writing a Job Application

• A good example would be: "I'm writing to apply for the Chimney Sweep position advertised in Rolling Stone. I think my experience in the heating industry makes me uniquely qualified for this position. Please find my application materials and a brief description of my qualifications below."
• Don't write your name until the signature. It'll be in the header and in the sign-off, so there's no reason to put it in the body of the letter itself.

• Be specific. Who are you? Where do you come from? What's your story? These details are important. HR screeners read hundreds of these.
• Describe your ambitions. Where do you want to go? How will this opportunity help you get there?
• What skills and experiences make you the right fit? Be as specific as possible and avoid vague language. It's better to describe a time you solved a specific problem at your last job than to just write, "I'm a good problem solver at work."

• Tailor it to the business. If you're applying to work at a record store, you need to talk about music. If you're applying to work at a tech company that writes, "Tell us something totally rad about yourself!" it's probably ok to be a little more informal.

• Don't over-promise. Telling someone that you can guarantee that you'll be able to turn around their sales figures in six months or less is a good way to get fired in six months.

• Any kind of job requires this type of research. If you apply to a restaurant, you need to be familiar with the menu and the kind of customers the restaurant attracts. Consider eating there a few times before you apply.
• Don't show you're familiar by criticizing a business and telling them what you can do better. Not the time to offer a harsh criticism of a business plan that you don't really know anything about.

Writing a School Application

• Common prompts include things like, "Outline your qualifications for this position" or "In writing, explain how this position would affect your career goals." Sometimes, the prompt will be as short as, "Tell us something interesting about yourself."
• If there is no prompt, but you still feel the need to introduce your application with a letter, it's usually best to keep it as short as possible. Explain what you're applying for, why you're applying, and thank the contact for their consideration. That's it.

• Often, college prompts will ask you to describe a time you struggled, or a time you overcame some obstacle. Write about something unique, a time that you actually failed and dealt with the consequences.
• The board will get thousands–literally, thousands–of letters about someone's first mission trip, and letters about the time someone's sports team was beaten, then overcame the odds, and won again. Avoid these topics.

• Be specific. If you're writing to a college board, don't say, "I want to go to this college because I need a degree." That's obvious. What do you want to do with it? Why? If you're applying to a business, don't say, "I just need a job." That's obvious. Why this specific job?

• If you're applying to schools, what do you like about the school? What faculty are you interested in? Why this school, instead of another?

Formatting Application Letters

• If you don't get a word-count guideline, just focus on making one or two good points about yourself, and keeping it at that. No need to drone on four several pages.

• Instead of a salutation, write, "Letter of Application" at the top left corner of the page, or put it in the header on the left side at the top.
• If you do have a contact, address it to them, making sure the name is spelled correctly. Then space down and start the body of the letter. [10] X Research source

• Sometimes, it's appropriate to type your name, then print out the letter and sign it in pen. That can be a nice touch.

• Mailing address
• Telephone and/or fax number

Expert Q&A

• Remember to be formal at all times. Do not use abbreviations anywhere. Thanks Helpful 0 Not Helpful 1

You Might Also Like

• ↑ https://www.indeed.com/career-advice/finding-a-job/how-to-write-an-application-letter
• ↑ https://owl.purdue.edu/owl/subject_specific_writing/professional_technical_writing/tone_in_business_writing.html
• ↑ Alexander Ruiz, M.Ed.. Educational Consultant. Expert Interview. 18 June 2020.
• ↑ https://advice.writing.utoronto.ca/types-of-writing/admission-letters/
• ↑ https://wts.indiana.edu/writing-guides/personal-statements-and-application-letters.html
• ↑ https://owl.purdue.edu/owl/job_search_writing/job_search_letters/cover_letters_1_quick_tips/quick_formatting_tips.html
• ↑ https://writing.wisc.edu/handbook/assignments/coverletters/

About This Article

To format an application letter, start by including your name and contact details in the document header. When choosing a greeting, only use one if you know the person's name your writing to. Otherwise, give the document a title, like "Letter of application" at the top of the page. For the body of the letter, aim to write no more than 1 page of single-spaced paragraphs using a standard font. Finally, conclude your letter with a formal greeting like "Sincerely yours." For tips on how to write a job application letter, read on! Did this summary help you? Yes No

• Send fan mail to authors

Did this article help you?

Featured Articles

Trending Articles

Watch Articles

• Terms of Use
• Privacy Policy
• Do Not Sell or Share My Info
• Not Selling Info

Don’t miss out! Sign up for

wikiHow’s newsletter

• Student Loans

Your Financial Aid Award Letter: What It Means And How To Read It

Updated: Oct 10, 2022, 6:51pm

Compare Personalized Student Loan Rates

Takes Up To 3 Minutes

After months perfecting your college admissions essays and submitting your applications, you finally receive your first school acceptance letters. Congratulations, getting into college is a huge achievement and the start of the next chapter of your life.

However, now you have to start thinking about how to pay for your education. Luckily, you probably won’t have to cover the full cost yourself. According to the National Center for Education Statistics, 87% of first-time, full-time undergraduate students were awarded financial aid for the 2019-2020 school year, the last available data.

If you filed the Free Application for Federal Student Aid (FAFSA)  and the school approved your application, you likely received a financial aid award letter along with your acceptance notification. The financial aid award letter contains important information about the cost of attendance and your financial aid options.

However, each school has its own way of presenting its information, so it’s important to understand what’s typically included in a financial aid award letter. Here’s what to look for and what to do if you need more financial assistance.

What Is a Financial Aid Award Letter?

The financial aid award letter, also known as the student aid package or school offer, tells you what financial aid you can get at a particular school. The award letter is specific to that university or college, so you’ll receive a different letter from every school that accepts you as an incoming student.

Decoding Your Financial Aid Award Letter

The letter will include the annual total cost of attendance  and a list of financial aid options. Typically, your financial aid package  will be a mix of gift aid, meaning financial aid that doesn’t have to be repaid, and loans, which you have to repay with interest.

What Your Award Letter Should Include

Your financial aid award letters will look different from school to school, but the U.S. Department of Education created the College Financing Plan  in an effort to encourage schools to make their award letters more streamlined and easily comparable. Most award letters have several elements in common:

• Expected family contribution.  This portion of the award letter is the dollar amount that your family is expected to pay  toward education expenses based on the financial information provided in the FAFSA. The number helps determine how much financial aid you’ll likely need to cover costs.
• Cost of attendance. The estimated cost of attendance may include tuition, fees, room and board, books and supplies, transportation and other expenses for one year of classes. However, this number doesn’t include every expense you’ll encounter as a student.
• Scholarship and grant options.  Most award letters include multiple types of awards. This section of the letter lists awards that do not require repayment and may include merit-based scholarships, need-based grants (institutional, state and Federal Pell), employer paid tuition benefits and other forms of “gift” aid.
• Net costs. Next, the aid letter typically states the net cost of school—or the cost of attendance minus total grants and scholarships. This is the cost per year that must be paid out of pocket or covered by loans or other aid.
• Loan and work options.  The bottom portion of your award letter will list available loan options—including the loan type, amount and interest rate. This section also indicates whether you qualify for federal work-study and, if so, how much you’re eligible to earn each year and how many hours you can work each week.

When Will I Get My Financial Aid Award Letter?

The timing of your financial aid award letter will depend on when you applied and the university’s admissions policies. If you completed the FAFSA, applied in the fall and the school admits students on a rolling basis, you could receive information about financial aid as early as December or January.

However, many schools don’t put together financial aid packages until after their application deadlines in the spring. That means you may not receive a financial aid award letter until May or even June.

How to Apply For Financial Aid

To apply for financial aid , you have to complete the FAFSA. The federal government and universities use the FAFSA to determine your financial aid eligibility.

For the 2023-2024 academic year, FAFSA forms must be submitted by 11:59 p.m. CT on June 30, 2024. However, states and colleges may have deadlines that differ from the federal deadline. Check with the school financial aid administrator to see when you need to submit the FAFSA.

The FAFSA is free to complete, and you can fill out the application online  by following these steps:

1. Collect the necessary documents.  You can make the financial aid application process less frustrating by compiling your federal income tax returns, W-2s and records of other earnings before starting the application. If you’re applying as a dependent , you’ll need to gather financial records for your parents.

2. Log in to the Federal Student Aid website.  To start the application process, log in to the FSA website . If you already have an account, enter your FSA ID and password. If not, create an FSA account using your contact information and Social Security number.

3. Fill out student information.  The first section of the FAFSA form requests your Social Security number and contact information, state residency details, education level and other personal information.

4. Choose where to send your FAFSA.  If you don’t have the Federal School Code, search for your school by state and name or city. You can send your FAFSA to up to 10 schools, so be sure to add all of your possible choices if you haven’t decided on a school yet.

5. Enter your dependency status.  The Dependency Status section of the application requests information about your marital status, household size and other information to determine whether you are considered an independent for financial aid purposes. This also determines the types of financial documents you need to provide.

6. Input financial information.  When prompted, enter information about your tax returns, household income, additional earnings and assets. If you’re applying as a dependent, you’ll complete the Parent Financials section of the form instead.

7. Sign and submit your application.  After completing the application form, agree to the FAFSA certification statement and sign your application. Filing deadlines may be university-specific, so check with your school’s financial aid office to determine important dates.

8. Reapply for aid every school year.  Federal financial aid eligibility depends on your financial need, so you have to resubmit your FAFSA each year.

In general, it will take less than an hour to complete the application, but you can save and access it again for up to 45 days if you need to stop to complete it later. If you have any questions about the FAFSA or federal financial aid in general, visit the Federal Student Aid Help Center .

Types of Financial Aid

When evaluating financial aid packages from schools, it’s important to keep the different types of financial aid in mind.

Whenever possible, you should use as much gift aid as you can before turning to other sources of financial aid. Gift aid doesn’t have to be repaid and comes in the form of grants or scholarships.

• Grants: Grants can be issued by the government, schools and private organizations. Grants are typically based on financial need.
• Scholarships:  Scholarships are awarded by schools and private organizations. Scholarships are usually issued based on merit, such as your academic or athletic performance.

Federal Work-Study

The federal work-study program can be a useful way to pay for a portion of your education expenses and to reduce how much you need to take out in student loans. With work-study, undergraduate and graduate students with financial need get part-time jobs related to their majors. You use the money you earn to cover some of your education costs. The amount you can work is determined by your total federal work-study award.

Not all schools participate in the federal work-study program, and it’s important to know that you’re not guaranteed a job. It’s your responsibility to find a suitable role. The award isn’t guaranteed, and you’ll have to work throughout the semester to earn the money you need.

Federal Student Loans

If you’ve exhausted gift aid and work-study and still need money to pay for school, federal student loans  should be your next consideration. Federal loans tend to have lower interest rates and more flexible repayment terms  than private loans. As an undergraduate student, you have the following loan options:

• Direct subsidized loans. Undergraduate students with financial need can qualify for subsidized loans. With direct subsidized loans , the government covers the interest that accrues while you’re in school, during your grace period and during periods of deferment. As a first-year student, you can borrow up to $3,500 per year.
• Direct unsubsidized loans: Undergraduate students can take out direct unsubsidized loans regardless of financial need. With these loans, you’re responsible for all interest that accrues. First-year dependent students can take out up to $2,000 per year, while independent students can take out up to $6,000 per year.
• Parent PLUS Loans: PLUS loans allow parents of undergraduate students to borrow up to the total cost of attendance, minus other financial aid received.

How to Compare Financial Aid Awards

Because there isn’t a set format for financial aid awards, comparing the different offers can be confusing.

To figure out which school is giving you the best financial aid package, calculate the net price with these simple steps:

• Identify the school’s cost of attendance. Most financial aid letters will list the total cost of attendance. If your letter doesn’t, ask the financial aid office for the number. Make sure it includes all of your expenses, including textbooks, transportation and supplies.
• Subtract gift aid and savings.  Subtract the gift aid you received from the school’s total cost of attendance. If you have any savings set aside for college, such as money saved in a 529 plan , subtract that amount as well.
• Compare net price. The number you get after subtracting gift aid and savings is your net price. That’s how much you’ll have to pay—or borrow in student loans—for college.

In some cases, you may find that a more expensive school gives you more gift aid, reducing your net price. That’s why it’s so important to look at the price after subtracting gift aid so you can see how much you’d have to pay out of your own pocket.

If you’re still confused, take advantage of the Department of Education’s annotated College Financing Plan , which can provide helpful details about each section of the award letter. You can also use third-party tools like Offer Letter Decoder  that let you upload your award letter and then provide clarity around the types of aid you were awarded.

How to File a Financial Aid Appeal Letter

In some cases, there may be special circumstances that may entitle you to additional financial aid. For example, you could qualify for additional aid if:

• Your parents lost their jobs or experienced a loss in income
• You had a major medical expense
• You have unusually high child care costs
• Your home was damaged by a natural disaster

Filing an appeal letter also may be a good option if you need more aid due to COVID-19 . To start the appeals process, contact the school’s financial aid office as soon as possible to determine the correct process and deadline for pursuing an appeal.

When you start drafting the letter of appeal, include important information like why you’re appealing the award and provide details about the circumstances that led to the change in your financial status. If appropriate, you may also include documents that illustrate your situation or otherwise support your appeal. Finally, include a specific request for the amount you need to attend the school as well as any competing offers you received from other schools.

Still Not Enough? Steps to Take if You Need More Aid

Unfortunately, your school’s financial aid package may not be enough to cover all of your education expenses.

Cut Your College Costs

If the total cost of attendance is too high even with financial aid, look for ways to reduce your college expenses. For example, you could live off-campus instead of in the dorms or attend a public university rather than a private school. If possible, staying home and commuting to school can significantly lower your education costs.

Look for Additional Scholarships

If you need more aid to pay for school, you may qualify for outside scholarships offered by nonprofit organizations or private companies. You can search for potential opportunities on FastWeb Scholarships.com  and Niche .

Consider Private Student Loans

Finally, private student loans  can be a useful tool to fill the gap. However, they usually have higher interest rates and stricter repayment terms than federal loans, so make sure you review the terms carefully.

Private student loans are issued by banks and lenders rather than the government. They review your application and decide whether to issue you a loan based on your income and credit. As a college student, you’ll likely need a co-signer—a parent or relative with steady income with good credit—to qualify for a loan.

Not sure where to start? Check out the best private student loan lenders .

Forbes Advisor Loans Writer Kiah Treece contributed to this article.

• Best Private Student Loans
• Best Student Loan Refinance Lenders
• Best Low-Interest Student Loans
• Best Student Loans For Bad or No Credit
• Best Parent Loans For College
• Best Graduate Student Loans
• Best Student Loans Without A Co-Signer
• Best International Student Loans
• Best 529 Plans
• SoFi Student Loans Review
• College Ave Student Loans Review
• Earnest Student Loans Review
• Ascent Student Loans Review
• Citizens Bank Student Loans Review
• Student Loan Calculator
• Student Loan Refinance Calculator
• Net Price Calculator
• What Is The FAFSA ?
• Applying Financial Aid Using The FAFSA
• When Is The FAFSA Deadline ?
• Answers To Biggest FAFSA Questions
• FAFSA Mistakes To Avoid
• Guide To Hassle-Free FAFSA Renewal
• How To Correct Or Change Your FAFSA
• How Do Student Loans Work?
• How To Get A Private Student Loan
• How To Refinance Student Loans
• How To Get A Student Loan Without Co-Signer
• How To Apply For Federal & Private Student Loans
• How To Pay Off Student Loan Debt
• How To Recover From Student Loan Default
• How Much Can You Borrow In Student Loans?

Next Up In Student Loans

• Best Private Student Loans Of 2024
• What Is The FAFSA?
• How To Apply For Financial Aid Using The FAFSA
• Your Guide To The Federal Work-Study Program
• Forbes Guide To Subsidized And Unsubsidized Federal Student Loans

Private Student Loan Rates: August 6, 2024—Loan Rates Stay Put

Rising College Expenses: 5 Things To Consider

Private Student Loan Rates: July 30, 2024—Loan Rates Move Down

How To Pay For College With No Money

Can You Use Student Loans To Pay Past-Due Tuition?

Private Student Loan Rates: July 23, 2024—Loan Rates Move Up

For the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they're looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans, and she holds certifications in student loan and financial education counseling.

Types of title insurance

• How it works

The importance of title insurance

Common risks covered by title insurance, understanding title insurance in real estate.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.

• Title insurance protects a lender or homeowner if someone says they have a legal claim to your property.
• While lender's title insurance protects your lender's interest in your property, it provides no protection to you as the homeowner.
• To protect your own financial investment in your home, you'll need to buy a separate owner's title insurance policy.

Just as homeowners insurance protects you financially if your home is physically damaged or destroyed, title insurance protects you if someone makes a claim against your property's title.

Title insurance is just one of the many protections you can have for your home — likely one of the largest purchases you'll make in your lifetime. Here's what to know about this insurance and how it will play into your home purchase journey.

Definition of title insurance

Title insurance protects a mortgage lender or homeowner from financial losses caused by issues with the home's title.

A home's title refers to who has ownership of or rights to the property. With title insurance in place, your insurer will defend you (and any co-owner) in court if another party tries to lay claim to your home. They will also cover damages and losses related to that claim.

There are two types of title insurance: one for owners and one for mortgage lenders. Your mortgage company will require that you at least have lender's title insurance. This protects their financial interest in the home. Owner's title insurance is optional.

Lender's title insurance

If you're financing your home purchase , your lender will require that you buy a lender's title insurance policy. If someone tries to make a claim against your property's title, the insurance policy will compensate them for any losses. This includes if the claim is found valid and you're forced to give up your home to another party. (In this case, it would compensate them up to the total value of your home.)

Owner's title insurance

If you want to protect yourself, you'll need to purchase an owner's title insurance policy, which protects you against any title claims on your home.

Some of the most common title claims are related to unpaid taxes. If the homeowner before you has an unpaid property tax bill and you don't have an owner's title insurance, you'll either need to pay the taxes out of your own pocket or risk losing your home. And if the previous owner failed to pay home contractors for their services, they may be able to make a title claim as well.

Having title insurance can help you spot these issues before buying or, at the very least, have financial and legal protection should they crop up later on.

How title insurance works

Title insurance is a multi-step process. First, your title company will do a search on your home, with the aim of identifying any potential problems. Then, it will issue the policy.

Here's what the title search and insurance process looks like from start to finish: 

The process of obtaining title insurance

When you (or your lender) hire a title insurance company, they'll perform a title search on your home. During their search, they'll look for any issues with the title that could stand in the way of the seller being able to transfer full ownership of the home into your name. 

This process includes looking for outstanding liens on the property (i.e., essentially, unpaid debts that the property is being used as collateral for), unpaid property taxes, or other encumbrances. The title company will also establish a history of ownership and ensure that the seller is the current rightful owner of the home with the legal right to sell it. 

If the title company uncovers any issues, some may be easy to fix. If so, they'll take the necessary steps to clear the title before you close on the home. Once the title has been cleared (or cured), the title company will issue a title insurance policy. 

What it covers and what it doesn't

Title insurance covers claims related to unpaid taxes, unpaid contractor bills, and other liens against the property. 

Title issues can also arise when public record errors, fraudulent documents, or undisclosed heirs or spouses are discovered. An owner's title insurance policy will protect you financially in all of these situations.

Be warned, though: Title insurance won't cover physical disputes of your property — like those relating to zoning, boundaries, or environmental hazards. Things like pest infestations or mold damage, which may be discovered after closing, aren't covered either.

With the average home priced at over $400,000 these days, you have a lot invested as a homeowner. Title insurance helps protect that investment and ensure you'll retain the rights to it (and its future sale proceeds) later on. 

Protecting against past discrepancies and legal issues

The most important thing title insurance does is protect you and your lender against the mistakes of past owners — as well as many overlooked and unseen issues. 

It ensures that if someone else makes a valid, legal claim to your property — maybe they're an heir of a past owner or they're owed a debt for past construction work on the house — you won't be out hundreds of thousands of dollars. Instead, the title insurance will compensate you for any losses that arise out of these situations. 

Ensuring peace of mind for homeowners and lenders

Title insurance also just gives you and your lender peace of mind. There's no need to worry that a past contractor bill could come back to haunt you or that the previous owner's unpaid property taxes will cause you to lose your house. You can rest assured your financial investment is protected no matter what.

Title insurance policies are intended to cover most issues that can arise surrounding your home's title. See below for more detail on what your policy can protect you from. 

Liens, encumbrances, and defects in title

Liens are claims to your property based on an unpaid debt. If a contractor was not paid by a previous owner, for example, they could place a lien against the property until they get paid back. The same goes for unpaid taxes, child support, and other court-ordered judgments. 

It also covers encumbrances in the title that could impact how you use the property (or how others do). For example, there may be a utility easement on the home, allowing a local gas provider to install equipment on your property. If these encumbrances aren't found before your title policy is issued — and crop up later on after closing on the home — your insurance will compensate you for any losses.

General defects in the title, such as improperly filed or notarized documents, are covered by title insurance, too.

Forgery and fraud

Title insurance also protects you against fraud and forgery. This might include a forged deed, a fraudulent will giving someone claim to the property, or other instances of forgery or fraudulence. 

The process of buying title insurance

The title insurance process isn't complicated. In fact, your lender and title company will do most of the heavy lifting. The only thing you'll need to do — in most cases — is pay for the policy as part of your closing costs.

Title search and examination

The initial process of getting title insurance involves the title search — when the title company uses public records, legal documents, tax liens, land records, deeds, court orders, and other documents to get a clear view of the property title's history. They're looking to uncover any discrepancies or potential alternate claims to the home.

If they find some, they will let the lender and borrower know, so they can get the issues resolved before closing. If a title contingency is in place, the borrower may be able to back out of the deal entirely. 

Calculating insurance premiums

How much you'll pay for title insurance will depend on the value of the home you're insuring. The state you're in will also impact your costs. According to the New York State Land Title Association , an owner's title insurance policy typically costs around 0.5% of the home's purchase price.

Unlike many other types of insurance, title insurance isn't an ongoing cost. You'll pay a one-time premium as part of your closing costs , and you'll be covered for as long as you own the home. However, if you refinance, you will likely need to purchase a new lender's title insurance policy.

Closing the insurance policy

You'll pay for your title insurance policy as part of your closing costs. Then, once you close on your mortgage loan and the sale has been recorded with your county, the title company will issue your title insurance policy. This will cover you the entire time you're in the home. If you ever refinance, you will need to replace your title insurance policy. 

While lender's title insurance is usually mandatory, an owner's title insurance policy is optional. Still, due to title insurance's role in protecting real estate investments, it's highly recommended you purchase both.

The cost of title insurance varies by location, loan amount, and policy type but it is usually around 0.5% of the home's purchase price. It is a one-time fee paid at closing, and rates can range from a few hundred to a couple of thousand dollars.

No, title insurance is paid through a one-time premium at the time of closing and remains effective for as long as you own the property (or until you refinance.)

Yes, you should compare prices and services from different title insurance companies to find the best rates and coverage. Ask your real estate agent if you need help choosing a title insurance policy.

There are many benefits of owner's title insurance policies, but the biggest are the financial and legal protection they provide. If you have owner's title insurance, the insurance company will manage the legal defense against claims and cover any financial losses up to the policy limit.

• Mortgages and mortgage lenders
• Home equity
• The housing market
• The economy and the forces that impact mortgage rates
• Budgeting and saving
• Retirement savings

• Real estate

• Main content

• Learning Center

What Is Title Insurance and What Does It Cover?

In this article:

What does title insurance cover?

What are the types of title insurance.

• What is lender's title insurance?
• What is owner's title insurance?

What is a warranty of title?

• How much does title insurance cost?

Do I need title insurance?

• How to choose a title company

Who pays for title insurance?

What is title insurance.

Title insurance is a type of insurance that protects mortgage lenders and/or homeowners against claims questioning the legal ownership of a home or property (i.e., the title to the property). If disputes over title ownership arise after the purchase, the insurance policy pays for any legal fees to resolve them. 

Unlike other types of insurance that help cover future mishaps, title insurance is designed to protect the policyholder from any past title discrepancies from the seller or previous owner that might be uncovered during or after the purchasing process.

Title insurance covers any underlying issues with a home or property's title that the title company may have missed during the home-buying process. In any real estate transaction, the title company runs a public records search to ensure that the home being purchased is free and clear of any liens or ownership disputes. This process confirms the seller's legal right to sell the home. 

While this process usually goes smoothly, title insurance comes into play when disputes arise. Here are some of the more common title issues: 

• Title forgeries
• Filing errors
• Unknown heirs to the estate who claim ownership
• Inconsistent or conflicting wills
• Liens, commonly from unpaid home equity lines of credit (HELOCs) or contractor bills
• Undocumented easements

There are two types of title insurance: lender’s title insurance and owner’s title insurance (also called buyer’s title insurance). They both provide the same kind of protection but cover different parties who have financial stakes in a property.

Lender's title insurance

A lender's title insurance policy is designed to protect the financial institution providing your mortgage from title claims that would put their stake in your home at risk. Lenders almost always require borrowers to purchase title insurance on the lender’s behalf as part of the loan-approval process . It's considered a closing cost.

Owner's title insurance

The owner's title policy is designed to protect the homeowner in case of any claims against their ownership of the home. In most cases, owner's title insurance is not required in a home purchase, but it is recommended. It can be paid for by the seller at closing, so you may want to negotiate for it when you are purchasing a home.

If you are buying a home in cash or your lender doesn’t require title insurance, you can request that the seller provide a warranty of title, which states that they are the sole party with a right to sell the home.

How much is title insurance?

Title insurance costs often range between $500 and $3,500 for each policy, but varies by provider. The cost also generally varies based on property location, purchase price and the extent of the coverage. For example, you may opt to have a restriction endorsement to protect against any HOA or subdivision violations related to the home's structure. 

Your title insurance premium is generally a one-time charge that's paid at closing. In addition to the insurance itself, you may be responsible for other related fees, like wire transfer fees or courier charges. 

In many states, you can compare the prices of different title insurance companies. But in some states, including Texas and Florida, all title companies are required to provide the same level of coverage at the same price, so shopping around isn't required.

Typically, the buyer pays for their lender’s title insurance policy as a closing cost . Owner’s title insurance (which is not usually required) is often paid for by the seller as part of the offer negotiation.

It depends on the transaction. In most cases, buyers are not required to have their own policies. Still, if you want to protect yourself from potential legal costs in the future, you may choose to get a title insurance policy. 

Here's an example: You purchase a home, and six months later you find out there was an old, unrecorded contractor's lien against the property for $40,000. Since you are now the owner of the home, you might be responsible for paying off the lien to clear your title and/or paying legal fees to fight the claim.

How to choose a choose a title company

Pick a title company that comes highly recommended from friends, family, your lender or your agent. You might also check the years of experience, number of completed transactions and online reviews from former clients. You can find real estate title companies on Zillow’s professional directory .

Meredith Arthur

A local agent can help you stay competitive on a budget.

They’ll help you get an edge without stretching your finances.

Related Articles

How to Find a Foreclosure

What Is a Mortgage Note?

How Does Mortgage Interest Work?

Official development assistance (ODA)

Official development assistance (ODA) is government aid that promotes and specifically targets the economic development and welfare of developing countries. ODA has been the main source of financing for development aid since it was adopted by the OECD’s Development Assistance Committee (DAC) as the “gold standard” of foreign aid in 1969. The OECD is the only official source of reliable, comparable, and complete statistics on ODA.

• Preliminary 2023 ODA statistics
• How is ODA data collected?

Select a language

Key messages, supporting the economic development and welfare of low- and middle-income countries.

ODA is financial support from official providers to aid recipients (low- and middle-income countries) in areas such as health, sanitation, education, and infrastructure. It mainly consists of either grants or “soft” loans and it makes up over two thirds of external finance for least-developed countries.

Defining which countries and territories are eligible to receive ODA

The DAC List of ODA-eligible recipients shows all countries and territories meeting the criteria to receive ODA. These consist of all low- and middle-income countries based on gross national income (GNI) per capita as published by the World Bank, with the exception of former G8 members, EU members, and countries with a firm date for entry into the EU. The list also includes all of the Least Developed Countries (LDCs) as defined by the United Nations (UN). It is reviewed every three years by the OECD’s DAC.

Monitoring ODA for better targeting and results

The DAC tracks and monitors ODA so that individual donor efforts are measured alongside the broader development finance landscape. The OECD ensures that providers adhere to the primary objective of ODA (the economic development and welfare of aid recipients) and inform them about where their ODA should go relative to existing needs.

International aid rises in 2023 with increased support to Ukraine and humanitarian needs

International aid from official donors rose in 2023 to a new all-time high of USD 223.7 billion, up from USD 211 billion in 2022, as provider countries increased aid flows to Ukraine and directed more humanitarian assistance to developing countries. This aid amounted to 0.37% of DAC countries’ combined gross national income.

ODA for gender equality dropped for the first time in a decade

The share of development finance for gender equality decreased after a decade of progress—from 45% in 2019-20 to 43% in 2021-22. Less than 1% of ODA is aimed at ending violence against women and girls.

What is ODA and how is it reported?

Frequently asked questions on ODA

Related data, related publications.

Related policy issues

• ODA eligibility and conditions
• ODA standards
• ODA trends and statistics