What do You Need to Bring to Closing on a House?
What to Bring to Your Closing
The specific items required to bring to your home closing are typically disclosed by the title company or the loan officer. In general you are asked to bring the following:
Photo identification: Acceptable forms of photo identification include a state driver’s license or passport.
Proof of insurance: It is often required to prove to your closing agent that the home’s insurance is effective on closing day. In most cases the closing agents will have this information, but providing your own copies could assist the close.
Final purchase/sale contract: It is imperative to bring your own copy to ensure closing costs and other details are accurate during closing.
Cashier’s check or certified check: The amount owed during closing is required to be disclosed at least one day prior to the closing day. This check will cover any closing, down payment, or unpaid fees.
All outstanding paperwork: Anything that was not previously submitted to the title company or loan officer should be brought with you.
Patience: The capacity to tolerate the possible delays or troubles during closing day without feeling disgruntled is the most important!