Short Answer
Bring a valid government-issued photo ID, your Closing Disclosure, proof of homeowners insurance, your wire transfer confirmation or cashier's check for the required funds, and any documents your lender requested at the last minute. Also bring your checkbook for any incidental fees that may come up. Arrive with your phone charged and your agent's contact information handy. The process takes about one to two hours.
Being prepared for closing day makes the process smooth and stress-free. The most important item is your photo ID, typically a driver's license or passport. Your Closing Disclosure should have been reviewed in advance, but bring a copy for reference. You need proof that you have obtained homeowners insurance, which your lender will require. Bring your wire transfer confirmation receipt showing the funds were sent, or a cashier's check made out to the correct entity. If you are wiring funds, confirm with the closing agent that the money was received before you arrive. Bring any documents your lender requested at the last minute, such as updated pay stubs or bank statements. A checkbook is useful for any small fees that may come up at closing. Bring your phone so you can take photos of your new home and stay in touch with your agent. You do not need to bring your real estate agent, but they will typically attend the closing with you.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
I always attend closing with my clients. It is the final step in a long process, and I want to be there to answer any last questions. The most common issue I see is people forgetting their ID or not confirming their wire transfer arrived. A week before closing, I send my clients a checklist of everything they need to bring. If you follow that list, you will walk into closing confident and prepared. The best part is walking out with your keys.
Related Questions
Ready to Take the Next Step?
Every situation is unique. Let us talk about your specific goals and create a plan that works for you.