What you bring on closing day

What’s on the list

1. 1

   Valid government photo ID. Bring a second one, just in case.

2. 2

   Confirmation of the wire for your closing funds, sent with instructions you verified by phone at a number you looked up yourself. Real estate wire fraud is documented by the FBI.

   FBI — Business Email Compromise / real estate wire fraud
3. 3

   If they want a cashier’s check, it goes out to the exact name of the closing company. Confirm the exact spelling the day before.

4. 4

   Homeowner’s insurance policy effective the day you close, with proof the first year is paid.

5. 5

   Your Closing Disclosure, printed, so you can check numbers right at the table. You should have gotten it at least 3 business days earlier, per the CFPB.

   CFPB — Closing Disclosure (3 business days)
6. 6

   The results of your final walkthrough, with photos of anything left undone.

7. 7

   Exactly how your name reads on the deed. Buying with someone else? Decide how you’ll hold title beforehand and run it past an attorney.

8. 8

   Buying through an entity: formation documents, the authorizing resolution, and the EIN.

9. 9

   If someone’s signing for you: a power of attorney already approved by the lender and the title company. This one does not get solved on closing day.

10. 10

    Foreign buyer: your passport, and confirm weeks ahead whether you need an ITIN.

    IRS — Individual Taxpayer Identification Number (ITIN)
11. 11

    Contact info and account numbers so the utilities go into your name that same day.

12. 12

    After you sign, keep the full package, the recorded deed and the title policy in one place. You’ll want them the day you sell.

Your situation doesn’t fit a checklist? Message Jordan or book 15 minutes.