At the closing you should have:
- A government-issued photo ID
- A copy of the ratified sales contract
- A homeowners insurance certificate
- Proof of flood insurance if you’re buying a home in a flood zone
- A cashier’s check or proof of wire transfer, to cover the remainder of the down payment and your closing costs
Also, talk to your attorney about anything else you might need to bring depending on your state or personal circumstances (such as a separation or divorce decree, should your relationship status affect the closing).
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