What Do I Need to Bring to a Real Estate Closing?

Real estate closing represents the final step in a home transaction. This meeting involves signing numerous documents and exchanging funds. Knowing precisely what to bring ensures that the closing proceeds efficiently, minimizing stress and preventing potential delays. A well-prepared individual can navigate this event with confidence, marking a successful transition of property ownership.

Required Identification and Legal Paperwork

Bringing proper identification is a primary requirement for any real estate closing, as it verifies your identity for the notarization of many legal documents. A government-issued photo identification, such as a valid driver’s license or passport, is universally accepted. Some closing agents may also request a second form of identification, like a Social Security card or a credit card. Ensuring your identification is current and not expired is important.

Buyers should bring a copy of their purchase agreement or sales contract for reference. While the lender provides the final Closing Disclosure, having your own copy of the initial sales agreement allows for comparison and verification of terms. Proof of homeowners insurance is mandatory, as lenders require it to protect their investment in the property. This proof often comes in the form of an insurance binder, a declaration page, and a receipt showing that the first year’s premium has been paid.

Sellers should bring all keys to the property, garage door openers, and any security codes. These items are handed over to the buyer at the closing table. In certain situations, additional legal documents may be necessary, such as a power of attorney if someone is signing on behalf of another, or trust documents if the property is held in a trust. Individuals should confirm any unique document requirements with their real estate agent or attorney in advance.

Funds for Transaction Completion

The transfer of funds for closing costs and the down payment is part of a real estate closing. Buyers are responsible for bringing a substantial sum, often referred to as “cash to close,” covering various fees and the equity contribution. Personal checks are not accepted for these large amounts due to the time it takes for funds to clear and the risk of insufficient funds. Certified funds are required, ensuring the money is readily available and guaranteed.

The most common methods for providing certified funds are a cashier’s check or a wire transfer. A cashier’s check is issued directly by a bank, guaranteeing the funds and making it a secure payment option. Have the cashier’s check made payable to the title company or escrow agent, and confirm the exact amount with your most recent Closing Disclosure.

Wire transfers offer an alternative, allowing for direct electronic movement of funds from your bank account to the closing agent’s account. This method is often preferred for its speed, with transfers typically completing within 24 hours, though sometimes up to a few days depending on the bank and time of transfer. It is critically important to verify wire instructions directly with the title company or closing attorney through a confirmed, trusted channel to prevent wire fraud, which poses a significant risk in real estate transactions. While personal checks are generally not accepted for large sums, they might be permissible for very small, incidental amounts that could arise at the closing table.

Additional Practical Items

Beyond the documents and funds, bringing a few practical items can enhance comfort and organization. A comfortable pen is useful, as numerous documents require signatures. Having contact information for your real estate agent, loan officer, and attorney readily available can be beneficial for any last-minute questions or clarifications.

Since a closing can take an hour or two, having water and a small snack can help maintain focus and comfort. A phone charger is useful, ensuring your device remains powered for communication or unexpected delays. Bringing a folder or organizer helps keep all the signed documents and important papers neatly organized. Bring the most recent copy of your Closing Disclosure (CD) or HUD-1 Settlement Statement to compare against the final documents presented for signature, ensuring all figures align with your expectations.