What to bring to closing
As the buyer, you should bring the following documents to the closing:
- Binder for Homeowners Insurance and Paid Receipt. Before going through with the closing, the closing officer will contact you to confirm that you have your binder for homeowners insurance and your paid receipt for the first-year’s premium. A binder is a document that proves that you have adequate homeowners insurance for the home you are buying. Your lender will not issue the mortgage loan without it.
- Certified or Cashier’s Check for your down payment and closing costs. You can find out the exact amount you will need by contacting your lender a day or two before the closing.
