What to Bring When Closing on a House?

Buying a home culminates in the closing process, where property ownership officially transfers from seller to buyer. This final stage involves finalizing legal and financial aspects of the transaction. Being well-prepared by bringing all necessary items ensures a smooth and efficient closing experience.

Essential Identification and Personal Items

Proper identification is required at closing to verify your identity for legal documents. Bring at least one valid, government-issued photo ID, such as a driver’s license, state ID, or passport. Bringing two forms of identification is often advisable. The name on your identification must precisely match the name on your loan documents to prevent delays. Some closing agents or lenders may request your Social Security card; check beforehand.

Beyond identification, a few personal items can make the process easier. A pen is useful for signing documents. Have a prepared list of questions to address with the closing agent or attorneys. Keep contact information for your real estate agent, loan officer, and attorney readily accessible for last-minute communications.

Required Financial Instruments

Specific forms of payment are required for your down payment and closing costs. Personal checks are not accepted for these sums. Instead, you will need certified funds, such as a cashier’s check or certified check, made payable to the designated party (often the title company or closing attorney). Your lender or title insurer will provide the exact amount you need to bring as “cash to close” several days before the closing date.

If using a wire transfer, caution is necessary to prevent fraud. Always verify wire instructions directly with your closing agent or title company through a trusted channel, like a phone call, rather than relying solely on email. After initiating the wire transfer, bring proof of the completed transaction, such as a confirmation number or receipt. While most funds are verified prior to closing, recent bank statements or other proof of funds can be useful for unexpected adjustments or last-minute verifications.

Crucial Property and Loan Documents

Several property and loan documents should be on hand for reference, review, or submission at closing. Bring your final, signed loan commitment letter from your lender, confirming the terms of your loan approval. Proof of an active homeowner’s insurance policy is mandatory, including the declarations page and evidence of payment for the first year’s premium. Lenders require this to ensure the property is protected from damage or loss before the loan is finalized.

Copies of the appraisal report and any property inspection reports (e.g., home, pest) can be beneficial for reference. These reports are useful if specific conditions or repairs were negotiated based on their findings. If a property survey was conducted to define property lines and easements, bring a copy for review. Finally, be prepared to bring any additional documents requested by your closing agent, lender, or attorney, as requirements vary based on your transaction.