Mortgage Closing Documents Checklist
Mortgage Closing Documents Checklist
General Items
- Check for any outstanding fees or adjustments
- Understand the escrow account setup (if applicable)
- Review any applicable warranties or service agreements
Before Closing
- Obtain a copy of the Closing Disclosure (CD)
- Review the Closing Disclosure for accuracy
- Confirm loan terms match the Loan Estimate
- Gather financial documents (W-2s, pay stubs, tax returns)
- Ensure homeowner's insurance policy is in place
- Prepare earnest money deposit (if required)
- Verify title insurance policy details
At Closing
- Bring valid photo ID (driver's license, passport)
- Review and sign the Closing Disclosure again
- Sign the mortgage note
- Sign the mortgage or deed of trust
- Complete the title transfer documents
- Review the settlement statement (HUD-1)
- Pay closing costs (cashier's check or wire transfer)
After Closing
- Receive copies of all signed documents
- Confirm loan is recorded with local government
- Set up mortgage payment account
- File away all closing documents securely
- Verify first mortgage payment date and amount
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