JAN 2019

Closing Day Checklist: What to Bring

By Amanda N. Wegner

Closing day is a big day. It’s the day when you finally get to take the keys and call your house your home or when the highly anticipated sale of your house is officially finished. “The real estate closing is the final stage in the process of buying a home,” explain the authors of The American Bar Association Family Legal Guide.

Typically, the closing (or settlement) agent is responsible for preparing and ordering all documents needed for closing. “Both buyers and sellers should expect to sign a lot of papers at the closing,” offer the ABA guide authors. “The Real Estate Settlement Procedures Act (RESPA) will apply in any transaction in which a buyers is obtaining a federally insured mortgage from a financial institution.”

Required documents for closing vary by state. The professionals you’re working with, including your attorney and real estate agent, should be familiar with the requirements of your state.

Following is a list of common needs. Many closing agents will call beforehand to remind you of what to bring, but if you are unsure of what you’ll need that day, don’t hesitate to ask. 

Following is a list of common needs:

  • Photo identification, such as a driver’s license or state-issued ID.
  • Copies of your homeowner’s insurance policy, as well as other required insurance policies, such as flood insurance, including proof of payment. Most lenders do review these items prior to closing.
  • Buyers should bring a cashier’s check for closing costs, plus any remaining payment. By law, buyers are entitled to receive a copy of their HUD-1 Settlement Statement, which itemizes closing-related services and their charges.
  • Sellers should bring the keys to all the locks in the house, plus anything else the buyer may need or find useful, such as manuals for appliances left with the house, service logs for mechanical work, the garage door opener remote and a copy of the neighborhood’s covenant and restrictions.


Closing Day Checklist: What to Bring