Closing day is the final step before you officially become a property owner—but it’s not as simple as just showing up and signing papers. Whether you’re buying a home, a piece of land, or a commercial building in West Virginia, Pennsylvania, or Ohio, knowing exactly what to bring to closing ensures a smooth, stress-free experience.
At Guida Law Offices, we guide clients through every phase of the real estate process, including what to prepare for the closing table. This checklist will help you avoid delays and feel fully ready when it’s time to sign. If the purchase is a cash deal, many items in the checklist may not apply.
Why Closing Day Preparation Matters
Real estate closings involve important legal and financial transactions. If you forget even one required item, the process can be delayed or even postponed. That’s why it’s important to confirm your documents, funds, and identification are in order a few days before the appointment.
Essential Items to Bring to Closing
Here’s what every buyer should bring to their real estate closing appointment:
1. Government-Issued Photo ID
Bring a valid form of photo identification. Most title companies and attorneys require this to confirm your identity before notarizing documents.
Accepted IDs usually include:
- Driver’s license
- U.S. passport
- State-issued photo ID card
- Military ID
Make sure your ID is current (not expired) and matches the name on your purchase agreement.
2. Proof of Funds for Closing Costs
Before closing, you’ll receive a Closing Disclosure outlining the amount of money you need to bring to settlement. This includes your down payment, prepaid taxes, title insurance, and other closing costs.
You’ll need to bring:
- A certified or cashier’s check made out to the title company or attorney’s office
- OR
- Arrange for a wire transfer in advance (double-check instructions with your closing agent to avoid wire fraud)
Note: Most closing offices do not accept personal checks or cash.
3. Closing Disclosure (for Your Reference)
The Closing Disclosure is a five-page document provided at least three business days before closing. While you don’t have to bring a printed copy, many buyers find it helpful to bring it for comparison during signing.
Make sure you’ve reviewed and understood:
- Loan terms
- Estimated payments
- Closing costs and fees
- Amount due at signing
If something doesn’t match what you were told, now is the time to ask questions.
4. Proof of Homeowner’s Insurance
If you are financing the purchase, your lender will require proof of homeowner’s insurance before closing. Bring a printed declarations page or confirmation of coverage showing:
- Policy start date (must be on or before closing day)
- Premium paid or due at closing
- Coverage amount and property address
For commercial properties, different insurance documents may be required. Ask your attorney in advance if you’re unsure.
5. Your Real Estate Attorney’s Contact Info (if not attending)
While many buyers prefer to have their attorney present at closing, others may close with a title agent and keep the attorney on call. Either way, have your legal representative’s contact info handy in case any unexpected issues come up.
6. Any Required Documentation from the Lender
Your lender may request final income or banking documents on closing day to complete the funding process. These could include:
- Updated pay stubs
- Bank statements
- Employment verification
- Final signed loan documents (if provided in advance)
Ask your loan officer what (if anything) to bring related to financing.
Optional But Helpful Items
- A blank check (just in case any minor fees or adjustments arise)
- List of utility companies for service transfer
- Contact info for your real estate agent, lender, and inspector
- Pen and notebook for notes or questions during signing
How Long Does Closing Take?
Most closings take between 60 to 90 minutes, depending on the complexity of the transaction and number of parties involved. Be prepared to sign multiple legal documents and disclosures. Your title agent or attorney will walk you through each one.
Let Guida Law Offices Help You Close Confidently
Whether you’re closing on your first home, your fifth investment property, or a commercial building, being prepared can make all the difference. At Guida Law Offices, we’ve helped clients across West Virginia, Ohio, and Pennsylvania complete real estate transactions with clarity, efficiency, and peace of mind.
If you’re unsure what to bring or how to prepare, we’re just a phone call away.
Contact Guida Law Offices today to schedule a real estate closing or get help reviewing your transaction documents.