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…