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What do I need to bring to my closing?
Bring a certified check for down payment
Your loan processor will tell you how much your certified check should be a few days before closing. You can get a certified check from most banks. You may have already deposited your down-payment funds with the escrow holder. If so, the holder will give a certified check to the seller.
Bring separate checks for closing costs
Many closing-related costs are deductible in the year that you pay them, so use separate checks to help you when you fill out your next tax return. Ask if you can use a personal check or need to bring a cashier's check; if the latter, ask to whom the check should be written.
Take your checkbook
You can usually pay small but unexpected closing costs--such as last-minute photocopying charges-- with a personal check.
Have copies of important papers
At a minimum, you should bring a copy of your sale agreement, the closing-cost estimate the lender gave you, and a binder from your insurance company that proves you have appropriate coverage on the home.
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