Closing day is the moment you’ve been waiting for—the day you officially become a homeowner. With so many documents, payments, and steps involved, it can feel overwhelming. This quick checklist will help you stay organized, avoid last-minute surprises, and close with confidence.
Before you arrive at closing, make sure you have all necessary paperwork:
Any Additional Lender or Title Documents: Ensure all requested forms are ready.
Your Closing Disclosure details your loan terms, monthly payments, and all associated fees. Check:
A final walkthrough is typically done 24–48 hours before closing to ensure the home is in agreed-upon condition. Confirm that:
Closing involves signing multiple legal documents, including:
Take your time reading each document. Ask questions if anything is unclear.
Ensure your funds are ready in the correct form:
Confirm payment instructions with your title company or lender ahead of time to avoid delays.
Confirm Closing Time and Location: Verify your appointment with the title company, attorney, or escrow office.
Bring a Notebook or Device: Keep notes, questions, and records of important details.
Once everything is signed, funds are distributed, and the deed is recorded, you’re officially a homeowner. Don’t forget to:
Q: Can closing be delayed?
A: Yes, delays can happen due to issues like incomplete paperwork, last-minute repairs, or title problems. Your agent and lender will communicate updates.
Q: Do I need an attorney at closing?
A: This depends on your state. Some states require an attorney; others do not.
Q: Are closing costs negotiable?
A: Some fees may be negotiable, such as certain lender or escrow fees. Discuss options with your agent and lender.
Closing can feel overwhelming, but understanding each step helps reduce stress and ensures you’re prepared. With your documents signed, keys in hand, and funds secured, you’re ready to enjoy your new home and start this exciting chapter of life.
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