Real Estate Closing Day Checklist for Buyers

Create a closing day preparation checklist for buyer client closing on [address].

Closing details:
- Property: [address]
- Closing date: [date]
- Closing time: [time]
- Location: [title company/attorney office]
- Loan type: [conventional/FHA/VA/cash]

CLOSING DAY CHECKLIST

BEFORE CLOSING DAY
☐ Final walkthrough completed: [date — within 24 hours]
☐ Walkthrough issues resolved: [document any]
☐ Closing disclosure reviewed: [3 days before — required]
☐ Cash to close wire sent: [day before — confirm amount]
☐ Wire fraud warning: [verify wiring instructions by phone]
☐ Government-issued ID ready: [passport/driver license]
☐ Checkbook for incidentals: [small unexpected costs]
☐ Insurance binder received: [required at closing]
☐ Contact information for all parties saved

FINAL WALKTHROUGH CHECKLIST
☐ All negotiated repairs completed
☐ Appliances working: [test each]
☐ HVAC working: [test heat and AC]
☐ All lights working
☐ No new damage since inspection
☐ Seller's belongings removed
☐ Garage door openers present
☐ Keys and access cards arranged
☐ Manuals and warranties left

AT THE CLOSING TABLE
☐ Sign all loan documents: [plan 1-2 hours]
☐ Sign transfer documents
☐ Pay any remaining costs
☐ Receive keys
☐ Receive garage openers
☐ Receive access codes
☐ Confirm utilities transferred to your name
☐ Homeowner association contacts received

AFTER CLOSING
☐ Change locks immediately
☐ Change garage codes
☐ Change alarm codes
☐ Update address: [USPS/DMV/bank/employer]
☐ File homestead exemption: [if applicable — deadline]
☐ Store closing documents safely
☐ Note warranty expiration dates
☐ Schedule 11-month warranty inspection: [if new construction]
☐ Meet neighbors

CONGRATULATIONS — YOU ARE A HOMEOWNER!

Note: Closing requirements vary by state and loan type — your agent and lender will guide you through specifics