Closing day is the end line of your homebuying journey. From identification to fee and important closing paperwork, being well-prepared is essential to avoiding last-minute delays and making the method as clean as potential. This Redfin article will define precisely what to deliver to closing so you may arrive confidently and able to stroll away with the keys to your new residence.

1. Authorities-issued picture ID

The closing agent or notary will use it to confirm your id earlier than permitting any paperwork to be signed. Each individual signing the closing paperwork should current a sound, unexpired, government-issued picture ID, similar to a:

Driver’s license
Passport
State-issued ID card

The title in your ID should precisely match the title in your mortgage paperwork. In case your title just lately modified (attributable to marriage or in any other case), deliver supporting documentation like a wedding certificates or courtroom order that proves the title in your mortgage matches your ID.

Typically, a secondary type of ID that can be utilized to confirm your title could also be required. It is best to at all times double-check along with your lender and/or title firm previous to closing day.

2. Licensed test, cashier’s test, or proof of wire switch

At closing, you’ll want to supply your “money to shut” – this covers your down fee, closing prices, pay as you go bills (like property taxes or householders insurance coverage), and any prorated charges. Your lender or closing agent will give you this ultimate quantity a day or two earlier than closing, together with directions on who to make the test payable to.

Many patrons ship funds by wire switch forward of closing so the cash has time to clear. When you take this route, deliver proof that the switch was accomplished. When you want to deliver funds in individual, you’ll want a licensed or cashier’s test out of your financial institution – private checks aren’t accepted.

3. Proof of householders insurance coverage

Lenders require proof that your householders insurance coverage is lively on closing day. Convey a duplicate of your insurance coverage binder or your coverage’s declarations web page displaying your protection begin date, property handle, and coverage particulars.

Having your insurance coverage agent’s contact info useful may help if the lender or closing agent must confirm something.

4. Closing Disclosure

You’ll obtain your Closing Disclosure at the least three enterprise days earlier than closing out of your lender. This doc outlines your ultimate mortgage phrases, rate of interest, month-to-month fee, and an in depth breakdown of closing prices. Convey a duplicate to overview on the desk in case you’ll want to reference or evaluate it towards what you’re signing.

5. Buy settlement and addendums

Your buy settlement and any addendums are key paperwork that define the phrases of your property buy. Bringing them to closing is very really useful as a result of they function your reference level for the agreed value, cut-off date, and any particular situations – like repairs the vendor promised to make or credit supplied at closing.

Having these paperwork available helps you affirm that the whole lot within the closing paperwork matches what you and the vendor agreed to. It may also be helpful if questions come up in regards to the property’s situation or any negotiated phrases throughout your ultimate walkthrough.

6. Further requested paperwork

Even after underwriting clears, generally a lender will want last-minute documentation to finalize your mortgage. This would possibly embrace:

Up to date pay stubs or financial institution statements
Reward letters verifying funds from members of the family
Proof of funds

Convey printed copies of something you’ve already uploaded electronically – having exhausting copies avoids delays in closing if a doc doesn’t open on the desk. Your lender will checklist any “situations” it’s essential to fulfill; resolve these forward of time when potential.

>> Learn: The Final Closing Doc Information

FAQs: What to deliver to closing day as a purchaser

What occurs if I overlook a required doc?

It will probably delay your closing and, in some circumstances, push the date again. At all times affirm along with your lender, escrow officer, or closing agent precisely what you’ll want to deliver earlier than the appointment.

How lengthy does closing day take?

Most in-person closings take about 1–2 hours, relying on how shortly you overview and signal paperwork, ask questions, and switch funds. Complicated transactions can take longer.

Do I must be current at closing?

Often, in case your title is on the mortgage or deed, you’ll want to be current at closing to confirm your id and signal paperwork. That is required for the lender to fund the mortgage and for the deed to be recorded.

Nonetheless, in case you can’t attend in individual, some closings enable a notarized energy of legal professional or distant signing choices, however these have to be accredited by your lender and title firm forward of time. You’ll want to contact them early to substantiate what’s allowed and what paperwork you’ll want to supply to keep away from delays.

Is there something particular I ought to deliver if I’m paying in money?

When you’re paying in money, you’ll nonetheless have to deliver identification and proof of your funds switch – similar to a financial institution assertion, wire affirmation, or cashier’s test.

Can I deliver a private test for closing prices?

Typically, no. You’ll sometimes have to deliver a licensed or cashier’s test, or present proof of a wire switch, since private checks aren’t accepted for giant transactions.