What to Bring to Your Closing: A Closing-Day Checklist

Closing day should be a celebration, not a scramble. Use this checklist to make sure you arrive with everything you need.

For buyers

• Valid, unexpired government-issued photo ID for every person signing (driver’s license or passport)
• Your verified funds to close — sent by wire or provided as directed by your title company, after confirming instructions by phone
• Proof of homeowners insurance (your lender usually needs this in advance)
• Any final documents your lender requested
• Your checkbook for small last-minute items, just in case

For sellers

• Valid photo ID for every person on the deed (and spouses, if required)
• House keys, garage openers, gate codes, and mailbox keys
• Any payoff or HOA information the title company asked for
• Forwarding address and the account where you want proceeds sent (verified securely, never by email)

The week before closing

1. Review your Closing Disclosure — lenders must provide it at least three business days before closing on most consumer mortgages.
2. Schedule a final walkthrough with your Realtor®.
3. Confirm your closing time and location (or mobile/remote signing).
4. Call the title company to verbally confirm wire instructions before sending funds.
5. Avoid opening new credit or making large purchases until after you close.

What happens at the table

Your closer will walk you through the settlement statement, the promissory note and deed of trust (for financed buyers), the deed (for sellers), and affidavits. Ask questions — that’s what we’re there for. Most signings take 30 to 60 minutes.

After you sign

Once the lender authorizes funding, the title company disburses funds, records documents with the county, and issues title insurance. In Tennessee, buyers typically get keys the same day, but always confirm possession terms in your contract.

Related: Closing Services · Wire Fraud Prevention · FAQ

This article is general information, not legal, tax, or financial advice. Every transaction is different — consult your attorney, lender, or tax professional about your situation.