Closing Day Checklist

The week before

• Review your Closing DisclosureYou should receive it at least 3 business days before closing. Ask about anything that looks different from your Loan Estimate.
• Confirm your cash-to-close amount and how to pay itWire or cashier’s check, per your title company or attorney.
• Verify wiring instructions by phoneCall the title company at a number you already know, not one from an email. Scammers send fake “updated” instructions.
• Schedule utilities, internet and movers
• Confirm the time and place of closingOr the remote or mobile signing details.

Closing day

• Do the final walk-throughMake sure agreed repairs are done and the home is in the expected condition.
• Bring a valid government-issued photo IDAsk if a second form of ID is needed.
• Bring your cashier’s check, if you are not wiring
• Read before you sign, and ask questions
• Get your keys, garage remotes, gate fobs and mailbox key

After closing

• File for Florida homestead exemptionWith your county property appraiser by March 1 of the year after you buy.
• Store your closing documents safely
• Watch for your first payment instructionsYour loan may be serviced by a different company. Verify any change before you pay.
• Update your addressBank, employer, driver license and voter registration.
• Keep your insurance policies and wind mitigation report together

Notes