Closing is the point to confirm that the final transaction matches what you agreed to. Read documents ahead of time when possible, and ask about any change you do not understand. Timing rules and documents vary by transaction, so follow the instructions of your closing team.
Slow down for verification when money or final terms change.
Review the final numbers
Compare the Closing Disclosure with the latest Loan Estimate. Check the loan terms, monthly payment, fees, credits, and cash to close. Ask for an explanation of changes before signing rather than relying on a later correction.
Verify funds instructions independently
Mortgage closings are a target for wire fraud. Confirm payment instructions using a trusted phone number obtained independently from a verified source. Treat an unexpected emailed change as a reason to stop and verify.
Keep the post-closing details
Save the final documents, first-payment instructions, insurance information, and servicing contacts. Confirm when possession occurs with your real estate team; funding, recording, and receiving keys may not happen at the same moment.
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CFPB: Closing on your new home ↗CFPB: Understanding your Loan Estimate ↗General education, not an approval or personalized recommendation. Loan terms and eligibility vary. Our editorial standards.