• Money in the form of a cashier's check or certified check to cover the balance of the purchase price and the buyer's closing costs
• The buyer should have been provided with a written estimate of closing costs that will indicate the proper amount of funds to be included in the cashier's check or certified check.
• It is better to bring a check that is slightly larger than the funds needed in case the estimate was low. At closing the title insurance company will issue a check to reimburse the buyer for any overpayment.
• The title insurance company generally will not accept a personal check (that is not certified) for any significant amount of money.

• One or more blank personal checks
• The title insurance company will generally accept a personal check for a small amount of money if the estimate was low and the cashier's check or certified check does not cover everything.

• Homeowner's Insurance Policy
• Make certain the lender is properly named as an additional insured.
• Make certain the policy is effective on the required date - some lenders require it be effective on the day BEFORE closing.

• Proof of Premium Payment for the Insurance
• Either a receipt marked "paid" or an invoice to be paid from the buyer's funds at closing.
• Make certain the payment covers the necessary time frame - generally a full year.

• Photo Identification of all buyers
• This is generally in the form of a driver's license.

• Social Security Number of all buyers

• Mortgage Package
• You will not bring this yourself but you should make certain that the mortgage lender has sent the package to the title insurance company.

• Mortgage Company Requirements
• Make certain you bring everything that your lender requires.
• This is usually set forth in the lender's commitment letter.
• It may be nothing beyond what is set forth on this checklist or there may be additional requirements.

• Special Requirements under the Agreement of Sale
• Make certain you bring everything required by the provisions of the Agreement of Sale
• It may be nothing beyond what is set forth on this checklist or there may be additional requirements.

• Requirements of the Title Insurance Company
• Make certain you bring everything required by the title insurance company.
• This is usually set forth in the Title Commitment or Title Report.
• It may be nothing beyond what is set forth on this checklist or there may be additional requirements.

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