Closing Checklist For Buyers

Immediately upon acceptance of contract:

• Order home inspections
• Provide your lender with a copy of the contract
• Discuss interest rate locking options

During the home inspection:

• Take photos of the house
• Take measurements for furniture and appliances
• Ask inspector questions about home condition

Within two weeks of the acceptance date:

• Review the home inspection report
• Work with your agent to create a list of items you’d like the seller to address
• Schedule a moving company

Two weeks before closing:

• Contact Security Service Insurance and decide on a homeowner’s insurance policy
• Your lender will require proof of insurance before closing
• Touch base with your lender to determine the status of your loan
• Request a change of address with the U.S. Postal Service to have your mail forwarded to your new address

One week before closing:

• Set up your utilities at your new address. Contact your cable and internet providers and your power, water, and trash services
• Connect with your lender to confirm that your closing date
• Request certified funds you’ll need for closing
• Confirm with your lender that they have received the necessary documents from your homeowner’s insurance agent

Three days before closing:

• Verify that any repairs that were required from the inspection have been completed
• Obtain documentation that shows proof that the repair was addressed
• Obtain the Closing Disclosure from your lender. The Closing Disclosure contains the final terms of your loan, including the final closing costs
• Review your Closing Disclosure to ensure it is accurate and that you understand the figures. If you have any questions about your Closing Disclosure, talk to your lender

Day before closing:

• Conduct a final walkthrough of your home to confirm that the home is in the same condition as when it was placed under contract

Day of closing:

• Bring a valid government issued ID or passport for each person required to sign documents
• Bring your certified funds (or advise if funds have been wire transferred)
• Bring any additional required documentation