Essential Items to Bring for a Smooth Real Estate Closing

Closing day is a significant milestone for homebuyers, marking the final step in acquiring a new home. Being well-prepared for this day ensures everything goes smoothly, helping avoid any last-minute hitches that could delay your move into your new home. To help you get ready, 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 or passport. This is necessary because numerous documents will need notarization, and identity verification is paramount in the legality of the closing process. Be sure to have this ready to avoid any unnecessary delays.

Certified Funds

Bringing money to the closing is essential. The exact amount you'll need will be communicated by the closing company. You can fund the closing through different methods such as cashier’s checks or wire transfers. It’s important to confirm the preferred method with the closing company in advance to ensure the process goes smoothly.

Living Trust

If you have a revocable trust, it’s crucial to bring the relevant trust paperwork. This ensures that the property can be legally transferred into the trust. Verify the documentation needed with your escrow company ahead of time. This helps in resolving any issues related to trust ownership swiftly.

Divorce Order

For those who have experienced a divorce, there may be a requirement to bring your divorce paperwork. It’s advisable to verify with your escrow company if this documentation is necessary for your specific situation to prevent any last-minute surprises.

Transfer Stamp

In some areas, a transfer stamp is required for the tax on transferring deeds. Check if this stamp is necessary in your locality, and if so, ensure that you know how to obtain it and what specific documents might be required.

Having all necessary documents and items will facilitate a smoother closing process. Being well-prepared will help avoid any last-minute hitches that could delay your move into your new home. Double-check your list of necessary items several days before closing, and reach out with any last-minute questions or concerns.