Short Answer
To prepare for a smooth closing, confirm your funds are ready in the correct form (wire transfer or cashier's check), bring a valid government-issued photo ID, review your closing disclosure in advance, complete the final walkthrough, confirm homeowners insurance is in place, and stay in touch with your agent and lender throughout the week before closing. Being organized and responsive prevents most closing day issues.
Preparation is the key to a smooth closing. Start a week before closing by confirming the exact amount you need to bring and the method of payment. Most closings require a wire transfer, and wiring instructions should be verified directly with the closing agent, never from an email, to avoid wire fraud. Three days before closing, you will receive your Closing Disclosure. Review it carefully and compare it to your Loan Estimate. Note any changes and ask your lender about anything that looks different. Complete the final walkthrough within 24 hours of closing to confirm the property is in the agreed-upon condition. Confirm that your homeowners insurance policy is active and that the lender has proof of coverage. Confirm your appointment time and location with the closing agent. Bring your ID and any documents your lender requested at the last minute. Arrive on time and expect the process to take one to two hours.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
I send my buyers a detailed closing checklist a week before closing. The most common issues come from wire fraud and last-minute document requests. Verify your wiring instructions by phone with the closing agent. Do not trust email instructions. If you have questions about your Closing Disclosure, ask me or your lender before closing day. I will make sure everything is in order so you can enjoy the excitement of getting your keys.
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