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Closing day is the finish line of your homebuying journey. From identification to payment and essential closing documents, being well-prepared is key to avoiding last-minute delays and making the process as smooth as possible. This Redfin article will outline exactly what to bring to closing so you can arrive confidently and ready to walk away with the keys to your new home.
1. Government-issued photo ID
The closing agent or notary will use it to verify your identity before allowing any documents to be signed. Every person signing the closing documents must present a valid, unexpired, government-issued photo ID, such as a:
- Driver’s license
- Passport
- State-issued ID card
The name on your ID must exactly match the name on your loan documents. If your name recently changed (due to marriage or otherwise), bring supporting documentation like a marriage certificate or court order that proves the name on your loan matches your ID.
Sometimes, a secondary form of ID that can be used to verify your name may be required. You should always double-check with your lender and/or title company prior to closing day.
2. Certified check, cashier’s check, or proof of wire transfer
At closing, you’ll need to provide your “cash to close” – this covers your down payment, closing costs, prepaid expenses (like property taxes or homeowners insurance), and any prorated fees. Your lender or closing agent will provide you with this final amount a day or two before closing, along with instructions on who to make the check payable to.
Many buyers send funds by wire transfer ahead of closing so the money has time to clear. If you take this route, bring proof that the transfer was completed. If you prefer to bring funds in person, you’ll need a certified or cashier’s check from your bank – personal checks aren’t accepted.
3. Proof of homeowners insurance
Lenders require proof that your homeowners insurance is active on closing day. Bring a copy of your insurance binder or your policy’s declarations page showing your coverage start date, property address, and policy details.
Having your insurance agent’s contact information handy can help if the lender or closing agent needs to verify anything.
4. Closing Disclosure
You’ll receive your Closing Disclosure at least three business days before closing from your lender. This document outlines your final loan terms, interest rate, monthly payment, and a detailed breakdown of closing costs. Bring a copy to review at the table in case you need to reference or compare it against what you’re signing.
5. Purchase agreement and addendums
Your purchase agreement and any addendums are key documents that outline the terms of your home purchase. Bringing them to closing is highly recommended because they serve as your reference point for the agreed price, closing date, and any special conditions – like repairs the seller promised to make or credits offered at closing.
Having these documents on hand helps you confirm that everything in the closing paperwork matches what you and the seller agreed to. It can also be useful if questions arise about the property’s condition or any negotiated terms during your final walkthrough.
6. Additional requested documents
Even after underwriting clears, sometimes a lender will need last-minute documentation to finalize your loan. This might include:
- Updated pay stubs or bank statements
- Gift letters verifying funds from family members
- Proof of funds
Bring printed copies of anything you’ve already uploaded electronically – having hard copies avoids delays in closing if a document doesn’t open at the table. Your lender will list any “conditions” you must satisfy; resolve those ahead of time when possible.
>> Read: The Ultimate Closing Document Guide
FAQs: What to bring to closing day as a buyer
What happens if I forget a required document?
It can delay your closing and, in some cases, push the date back. Always confirm with your lender, escrow officer, or closing agent exactly what you need to bring before the appointment.
How long does closing day take?
Most in-person closings take about 1–2 hours, depending on how quickly you review and sign documents, ask questions, and transfer funds. Complex transactions can take longer.
Do I need to be present at closing?
Usually, if your name is on the loan or deed, you need to be present at closing to verify your identity and sign documents. This is required for the lender to fund the mortgage and for the deed to be recorded.
However, if you can’t attend in person, some closings allow a notarized power of attorney or remote signing options, but these must be approved by your lender and title company ahead of time. Be sure to contact them early to confirm what’s allowed and what paperwork you’ll need to provide to avoid delays.
Is there anything specific I should bring if I’m paying in cash?
If you’re paying in cash, you’ll still need to bring identification and proof of your funds transfer – such as a bank statement, wire confirmation, or cashier’s check.
Can I bring a personal check for closing costs?
In most cases, no. You’ll typically need to bring a certified or cashier’s check, or provide proof of a wire transfer, since personal checks aren’t accepted for large transactions.
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