How Do I Prepare for Closing Day?
- By Jim Blackburn
- on
- 100 first time home buyer FAQs
1. Review All Documents Ahead of Time
A few days before closing, your lender and title company will send you a Closing Disclosure, which outlines your final loan terms, monthly payments, and closing costs. Take time to:
- Read everything carefully
- Ask questions about anything unclear
- Confirm wire instructions to avoid scams
This is your chance to catch errors or confirm last-minute details—don’t wait until you’re at the table.
Make sure you understand your final loan terms by reviewing our loan calculators one more time to confirm the numbers match what you expected throughout the process.
2. Complete a Final Walk-Through of the Home
Usually done 24–48 hours before closing, the final walk-through is your opportunity to:
- Make sure repairs were completed (if requested)
- Check that appliances and systems still work
- Confirm the home is clean and in the agreed-upon condition
If anything looks off, now’s the time to flag it—not after you’ve signed the papers.
If the walk-through reveals issues that need repair, remember that an FHA 203(k) Renovation Purchase Loan can sometimes still be an option even this late in the process, allowing you to finance necessary repairs.
3. Bring the Essentials to the Closing Table
Don’t show up empty-handed. Be sure to bring:
A government-issued photo ID Certified funds or proof of wire transfer for your down payment and closing costs Any additional documents your lender or title agent requestedOnce you sign, the home is officially yours—and yes, you’ll walk away with the keys in hand! 
Before closing day, double-check that your funds are ready and review your final approval documents. Our same-day approval process ensures everything is in order well before you reach the closing table.
Want to Close on Your First Home With Complete Confidence?
Closing day should feel exciting, not stressful. Here’s how to prepare yourself for a smooth finish:
📋 Review our first-time buyer guides to make sure you’ve covered every detail before signing
⚡ Confirm your approval is locked in with our same-day approval process so there are no last-minute surprises
🔨 If repairs are needed, explore the FHA 203(k) Renovation Purchase Loan to see if you can still finance fixes after closing
🏡 Use our loan calculators one final time to verify your closing numbers match your expectations
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