Key Takeaways
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Bring a valid photo ID for every borrower listed on the loan.
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Certified funds are required—no personal checks allowed.
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Review your Closing Disclosure and bring a printed copy.
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Proof of homeowners insurance is mandatory for loan approval.
Closing day marks the final and most important step in the homebuying process. It’s when you officially become a homeowner—signing the last documents, paying closing costs, and receiving the keys to your new home. While it’s normal to feel a bit anxious, knowing what to bring to closing helps eliminate stress and avoid last-minute surprises. This guide outlines the essential items every buyer needs.
Required Items to Bring on Closing Day
| Item | Purpose | Tips |
| Photo ID | Verifies your identity | Bring a valid U.S. driver’s license, passport, or state ID. Each borrower must bring their own. |
| Certified Funds | Pays closing costs and down payment | Confirm the exact amount with your lender. Only wire transfers or cashier’s checks are accepted. |
| Closing Disclosure | Details your loan terms and final costs | Review this before closing. Bring a copy to compare against the final documents. |
| Proof of Homeowners Insurance | Required by your lender | Bring the declarations page showing your name, coverage, and address. |
| Agent or Attorney (if applicable) | Provides legal or professional support | Helpful for answering questions and reviewing documents before signing. |
1. Bring a Valid Government-Issued Photo ID
Before you can sign documents, the title company must verify your identity. Acceptable IDs include a U.S. driver’s license, a state-issued ID, or a passport. If more than one person is listed on the loan, each borrower must present their own ID.
2. Provide Certified Funds for Closing Costs
Your cash to close includes your down payment, prepaid interest, taxes, and insurance. You must pay this using either a wire transfer or a cashier’s check. Personal checks are not accepted. Confirm the total and payment method with your title company or lender ahead of time.
3. Bring Your Closing Disclosure
This document summarizes the final loan details, including the loan amount, interest rate, monthly payments, PMI, taxes, and total closing costs. By law, lenders must send it to you at least three business days before closing. Review it thoroughly and bring a printed copy. If the numbers differ at the closing table, don’t hesitate to ask questions.
4. Show Proof of Homeowners Insurance
Your lender will not finalize the loan without proof of insurance. Bring the declarations page showing the property address, coverage limits, and premium amount. Double-check with your loan officer to ensure it meets the lender’s requirements.
5. Consider Bringing Your Real Estate Agent or Attorney
Depending on your state, a real estate attorney may be required. Even if not required, having your agent or legal advisor present can help explain complex documents and catch errors before you sign. If you can’t attend, ask about remote or mail-away closing options.
Be Prepared for Closing Day
Closing day is a huge milestone. Preparation can make the difference between a smooth experience and a stressful one. Bring all required documents, ask questions, and don’t rush through the paperwork. Once everything is signed, the home is officially yours.
FAQs: Closing Day
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