You’ve found your home, your closing date is approaching, and you’re probably already thinking about moving in. Before you start unpacking, there are a few details to take care of. Knowing what to review, what to bring, and who to contact can make those final days feel more manageable. Here’s a checklist to help you prepare.
1. Review Your Closing Disclosure
If you’re financing your purchase with most types of mortgage loans, you must receive your Closing Disclosure at least three business days before closing. This document outlines your loan terms, monthly payment, closing costs, and cash to close. Take time to review it and compare it with your most recent Loan Estimate.
Pay attention to:
Your name and the property address.
The loan amount, interest rate, and monthly payment.
Closing costs, deposits, and any seller credits.
The amount you need to bring to closing.
If something looks different from what you expected, ask your lender to explain it before signing.
2. Confirm Your Closing Funds
Check with your closing team to confirm the final amount due, the accepted payment method, and when the funds need to arrive. Ask about any bank processing times or transfer deadlines so you can plan ahead.
Before sending a wire, independently verify the instructions by calling your closing team at a trusted, previously confirmed phone number. Do not rely only on an email or use a new phone number included in a message changing payment instructions.
If you receive an unexpected change, pause and verify it before sending money.
3. Schedule Your Final Walk-Through
Coordinate a final walk-through with your real estate agent before signing your closing documents.
Use this opportunity to check that agreed repairs have been completed and that any items the seller agreed to leave are still in the home. If you notice an issue, bring it to your agent’s attention before closing so it can be addressed.
4. Check for Any Outstanding Requests
Ask your lender and closing team whether they still need anything from you. This might include updated documents, insurance information, or confirmation of how you will sign. If you are financing your purchase, check with your lender before opening new credit, financing furniture, or making financial changes that could affect your loan approval.
Keep an eye on your messages during the days leading up to closing, and respond promptly to requests.
5. Confirm What to Bring and Who Must Attend
Before your appointment, ask your closing team which forms of identification are accepted and whether you need to bring any additional documents.
Also confirm:
The appointment date, time, and location.
Who needs to attend and sign.
Whether any special signing arrangements are required.
How much time to allow for the appointment.
If someone cannot attend, let your closing team know early so they can discuss available arrangements.
6. Take Your Time Before Signing
Closing day comes with paperwork, but you should still have time to understand what you’re signing. Check names, amounts, and other important details. Ask your closing team about settlement documents and direct questions about your mortgage terms to your lender.
If something is unclear or does not match what you agreed to, speak up before signing.
7. Confirm When You Can Move In
Before scheduling movers, confirm when you will receive the keys and when you are entitled to take possession under your contract. Ask whether any funding or other closing steps still need to be completed.
Keep copies of your signed documents in a secure place, and coordinate utilities and moving plans around your confirmed possession date.
Frequently Asked Questions
What should I bring to closing?
Bring the identification your closing team has confirmed is acceptable, along with any additional documents they request. Confirm your payment arrangements before the appointment.
How much money will I need for closing?
Your cash to close depends on your transaction, including your down payment, closing costs, deposits, and credits. Confirm the final amount and payment instructions with your closing team before sending funds.
How can I verify wire instructions?
Call your closing team using a trusted, previously confirmed phone number before sending money. If you receive an unexpected email changing the instructions, pause and verify the details directly.
What if I find a problem during the final walk-through?
Notify your real estate agent immediately so the issue can be discussed and addressed before closing.
Will I receive my keys immediately after signing?
Key delivery depends on your contract, funding, and completion of the required closing steps. Confirm your possession date and key arrangements before scheduling movers.
Who should I contact if I have questions?
Contact your lender for questions about your mortgage terms or loan approval. Your real estate agent can help with property and contract concerns, while your closing team can explain settlement documents and appointment requirements.
Let’s Get You Ready for Closing
If you have an upcoming transaction, starting the title process early can help identify potential issues before closing day.
Smart International Title provides:
Title Searches
Title Insurance
Escrow Services
Real Estate Closings
Municipal Lien Searches
HOA Estoppels
Settlement Services
Short Sale Support
Contact our team to learn more about your upcoming Florida real estate transaction.
Smart International Title
407-854-2115
INFO@SmartInternationalTitle.com
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This article is provided for general educational purposes and is not legal advice. Probate, estate, and Florida homestead matters can vary significantly based on individual circumstances. Consult a qualified Florida attorney for advice regarding a specific estate or legal matter.