Step 42 of 48 Phase 5: Prepare for Closing
5.8 Gather Closing Docs
Closing day requires specific documents. Gather everything in advance so you are prepared and avoid delays.
Closing Document Checklist
| Document | Purpose | Notes |
|---|---|---|
| Government-issued photo ID | Identity verification | Driver's license or passport |
| Second form of ID | Backup verification | Some closings require two |
| Cashier's check or wire confirmation | Closing funds | Exact amount from Closing Disclosure |
| Proof of homeowners insurance | Lender requirement | Binder or declarations page |
| Copy of sales contract | Reference | Your signed purchase agreement |
| Closing Disclosure | Review | Compare to what you sign |
Documents You May Need
- Power of Attorney (if someone is signing on your behalf)
- Proof of additional insurance (flood, etc.)
- Divorce decree or trust documents (if applicable)
- Corporate resolution (if buying as a business)
Pro Tips
- Make copies of everything for your own records
- Review all documents before closing day if possible
- Bring a pen - you will sign many documents
- Ask your closing agent what else you need to bring
- Confirm the exact closing fund amount the day before