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Closing day is the final step in the homebuying process, and arriving prepared with the correct documents and funds is crucial to avoid delays. The essential items to bring include a government-issued photo ID, a certified or cashier's check for your "cash to close" (or proof of a wire transfer), proof of homeowners insurance, your Closing Disclosure, the purchase agreement, and any additional documents your lender requests. This checklist ensures you can confidently complete the transaction and receive the keys to your new home.
The closing agent, often a notary public, is legally required to verify the identity of every person signing the mortgage and deed documents. You must present a valid, unexpired ID where the name matches exactly what is on your loan paperwork. Acceptable forms include a driver's license, passport, or state-issued ID card. If your name has recently changed, bring supporting documentation, such as a marriage certificate or court order, to bridge any discrepancies. It is always prudent to confirm if a secondary form of identification is needed by checking with your lender or title company beforehand.
Your "cash to close" is the total amount due at settlement, covering your down payment, closing costs, and prepaid items like property taxes and insurance. You will receive the exact figure from your lender a day or two before closing. Personal checks are almost never accepted for this large sum. The standard options are a certified check, a cashier's check from your bank, or a wire transfer. If you opt for a wire transfer, bring proof of completion. Due to the prevalence of wire fraud in real estate transactions, always verify wiring instructions directly with your closing agent over the phone.
Lenders require evidence that the property is insured before they will release funds. Bring a copy of your homeowners insurance policy’s declarations page or an insurance binder. This document must show the coverage start date, the property address, and policy details. Additionally, you should bring your Closing Disclosure, a standardized form you receive at least three business days before closing. This document details your final loan terms, interest rate, and an itemized list of closing costs. Having it on hand allows you to cross-reference the numbers during the signing.
Your purchase agreement and any addendums serve as the foundational contract for the sale. Bringing these documents helps you confirm that the final paperwork reflects all negotiated terms, such as seller credits or agreed-upon repairs. Furthermore, even after underwriting approval, a lender might request last-minute documents like updated bank statements or gift letters. Bringing printed copies of any electronically submitted materials can prevent delays if a file fails to open.
To ensure a seamless closing day, based on our experience assessment:
