Short Answer
Bring a government-issued photo ID (driver's license or passport), your closing disclosure (the final version you received three days before closing), a cashier's check or wire confirmation for your down payment and closing costs (if you have not already wired the funds), proof of homeowners insurance, and any documents your lender has requested but you have not yet provided. Do not bring cash.
Showing up prepared for closing makes the process smooth. Here is your checklist. Valid government-issued photo ID. Your driver's license or passport must match the name on your loan documents. Your closing disclosure. This is the official document that itemizes your final loan terms and costs. You should have received it three business days before closing. Your funds. You will need to bring your down payment and closing costs to closing. This is almost always done via wire transfer or cashier's check. Never bring cash. Check with your closing agent about their preferred method. Proof of homeowners insurance. Your lender will need to see that you have an active policy in effect on closing day. Any additional documents your lender requested. If your lender asked for updated pay stubs, bank statements, or explanations for anything, bring them. Your agent and attorney will also be at closing to guide you through the process. If you have questions during the signing, do not hesitate to ask.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
I send my buyers a closing checklist a week before closing so nothing is forgotten. The most common mistake is not having the funds ready in the right form. Check with your closing agent at least a week ahead of time about how to deliver your funds. Wire transfer is most common, but some require a cashier's check. I will make sure you have everything you need so you can focus on the excitement of getting your keys.
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