Closing day marks the final and most exhilarating step in the home-buying (or selling) process. With all those emotions flowing, it’s easy to overlook some critical details—like what to bring. Being prepared with all necessary documentation and items ensures the process goes smoothly and helps you avoid any last-minute issues that could delay your move into your new home. Here's a checklist of essential items you need to bring to your real estate closing:
Photo I.D. or Passport
One of the most critical items to bring is a government-issued photo ID, such as a driver’s license or passport. The closing process involves numerous documents that must be notarized, and your identity must be verified to make everything legally binding. Make sure your ID is current and not expired, as the notary won't be able to authenticate your signature otherwise.
Certified Funds
You’ll need to transfer funds to finalize the purchase. These could take the form of a cashier’s check or could be wired directly to the closing company. The exact amount required will be communicated to you by the closing company, so confirm this figure and the preferred method of payment a few days ahead.
Transfer Stamp
In some areas, a transfer stamp is required to pay the tax on transferring deeds. This might not apply everywhere, so check with your local authorities or escrow company. If it is needed, you'll typically be able to pick it up at your county’s office. Make sure to bring any documents that might be required to get this stamp.
Divorce Order
If you've gone through a divorce, you might need to bring your divorce paperwork, particularly if it impacts property ownership. Verify with your escrow company whether this documentation is necessary for your specific situation to avoid any hiccups.
Living Trust Documentation
If you’re buying or selling property within a revocable living trust, ensure you bring all relevant trust documents. This paperwork is essential for legally transferring the property into the trust’s name. Verify everything is in order to prevent any issues.
Bringing all the necessary documents will facilitate a smoother closing process. Double-check your list of items a few days before the closing date, and don’t hesitate to reach out to your escrow company or real estate agent with any last-minute questions or concerns. Being thoroughly prepared can help you avoid any unexpected issues, ensuring you can focus on the excitement of moving into your new home.