Congratulations! 🎉 After countless home tours, negotiations, and paperwork, you're finally at the finish line—closing day! But did you know that one mistake could delay or even derail your closing? Don’t worry—I’ve got you covered.
In this guide, I’ll walk you through everything you need to know to make closing day smooth and stress-free.
Step-by-Step Closing Day Checklist
1. Review Your Closing Disclosure
This document outlines your final loan terms, closing costs, and monthly payments. You should receive this at least three days before closing—take the time to review it carefully to avoid any surprises.
2. Complete a Final Walk-Through
Before signing, make sure:
✅ The home is in the same condition as when you made the offer
✅ Any agreed-upon repairs have been completed
✅ Nothing has been removed that should have stayed (light fixtures, appliances, etc.)
3. Bring All Required Documents
Make sure you have: Government-issued ID (driver’s license or passport)
Homeowners insurance policy
Cashier’s check or wire transfer details for the down payment & closing costs
4. Sign the Paperwork
Expect to sign a lot of documents, including:
🖊️ Final loan agreement
🖊️ Title transfer documents
🖊️ Property tax & escrow paperwork
Common Closing Day Mistakes to Avoid
Even with all the preparation, last-minute surprises can still happen. Here are the biggest pitfalls—and how to avoid them:
🚨 Credit Check Issues – Don’t open a new credit card or buy a new car before closing! Your lender will re-check your credit at the last minute. Any major changes could put your loan at risk.
🚨 Wire Fraud Scams – Scammers target homebuyers during closing. Always call your title company to verify wire transfer details before sending money.
🚨 Title Issues – Your lender will confirm that the property title is clean (no unpaid taxes, liens, or disputes). If an issue arises, closing could be delayed.
According to The New York Times, nearly 10% of home closings are delayed due to unexpected issues—so double-check everything!
Closing Day Should Be Exciting, Not Stressful!
By following this checklist, you can confidently walk into closing and leave with the keys to your dream home—no surprises!
Download My FREE Closing Day Checklist: https://shared.xara.com/iQ6fa5LOBD
Watch My Latest Video on Closing Day: https://youtu.be/mGPmmzZ-o-8?si=YYiRLgK8gTIT1fP0
Have questions about your closing? Drop a comment below or DM me on Instagram @PeterManciniPenRealty—I’m here to help!
Peter Mancini | Pen Realty
A Signature Experience Every Time.
