Closing is the last — and biggest — step of buying your home. This interactive checklist walks you through what to do before closing, what to bring to the table, and how to close with confidence.
Quick Answer
Before closing, review your Closing Disclosure the moment it arrives and compare it to your Loan Estimate. On closing day, bring a government photo ID, a cashier’s check or verified wire for your cash to close, and your Closing Disclosure. Never trust wiring changes sent by email — verify by phone. Check off each step below, and call Your Realty Link at 317-997-7404 with any questions.
We built this checklist so nothing about closing catches you off guard. Tap each item to check it off — your progress saves on this device — and use the Print button to bring a copy to the table. It follows the same stages the Consumer Financial Protection Bureau recommends, tuned for how closings actually work here in Central Indiana.
A smooth closing starts well before closing day. Knock these out early so nothing surprises you at the table.
In Indiana, closings are usually handled by a title or settlement company. We’ll make sure everyone is on the same page.
Your lender needs proof of insurance before they’ll fund the loan. Shop a couple of quotes — premiums vary.
Your last chance to confirm the home’s condition, that any agreed repairs were done, and that nothing changed since your offer.
Until you have the keys, don’t open new credit, finance a car, make large deposits, or change jobs — any of it can derail your approval.
You’ll typically bring a cashier’s check or send a wire. Get the exact amount and instructions from the title company.
By law, your lender must give you the Closing Disclosure at least three business days before closing. That window is for you — use it.
This is the final accounting of your loan and costs. Read every line.
Check that the loan type, interest rate, monthly payment, and cash to close match what you expected. Only certain costs are allowed to change.
Fees you don’t recognize, a different rate, escrow questions — get answers before you sign, not at the table.
So your cashier’s check or wire is for the exact amount.
Real estate closings are a top target for scammers. Never trust wiring instructions — or last-minute changes to them — that arrive by email or text. Before you move a single dollar, call the title company using a phone number you already know (not one from the email) and confirm the account details out loud. When something feels off, slow down and check with us.
Show up ready. Here’s your grab-list for the table.
A valid driver’s license, state ID, or passport.
Made out per the title company’s instructions.
To compare against the final documents one more time.
Everyone on the loan needs to sign.
For any small last-minute difference.
Take your time. You have every right to read and understand what you’re signing, no matter how long it takes.
Loan amount, interest rate, and monthly payment should be identical on the note, the mortgage, and your Closing Disclosure.
Are they escrowed into your monthly payment, or do you pay them yourself? Indiana property taxes are billed in two installments each year.
Know who will service your loan and how HOA payments work if your neighborhood has an association.
Make sure you leave the table with everything you need to get into your home.
Congratulations — you’re a homeowner. A few last things to protect your investment.
You’ll need them for taxes and future reference. A digital backup is smart.
Use our Central Indiana utilities & setup guide to line up electric, gas, water, trash, and internet for your new address.
This lowers property taxes on your primary residence — file with your county auditor. Ask us or your title company about the current deadline.
New locks for peace of mind, plus USPS, your driver’s license, banks, and subscriptions.
Buying with Your Realty Link means you’re never guessing at the closing table. Call Janet Giles and the team, or send a note and we’ll walk you through it.
By law, at least three business days before closing. That window exists so you can review the final loan terms and costs without pressure — use it, and bring any questions to your loan officer before closing day.
A government photo ID for everyone on the loan, a cashier's check or proof of a verified wire for your cash to close, a copy of your Closing Disclosure, and your co-borrower if you have one. We'll give you the exact amount and instructions ahead of time.
Your "cash to close" is your down payment plus closing costs, minus credits and your earnest money. The exact figure is on your Closing Disclosure. See our buyer closing costs guide for what’s included.
Until you sign, yes — though there can be consequences depending on your contract and contingencies. If something feels wrong, tell us and pause. It’s always better to ask than to sign a deal you’re not comfortable with.
In Central Indiana, closings are typically conducted by a title or settlement company that also issues title insurance. Your Realty Link coordinates with them, your lender, and the other side so closing day goes smoothly.