Free PDF guide
Closing Day Playbook: What to Bring, What to Watch For
What to review before you arrive, and the wire fraud pattern that targets buyers at the closing table.
What's inside
- ✓A bring-list for closing day, cross-referenced against what actually needs review before you arrive, not at the table
- ✓Six documents you'll sign and what each one actually does, from the Promissory Note to the Deed of Trust
- ✓The wire fraud pattern targeting buyers at closing, and the four things that protect you from it
3 key takeaways
When do you actually need to review your Closing Disclosure?
It's legally required three business days before closing. Read it against your Loan Estimate and flag discrepancies before you arrive — not at the table.
What should you do the moment you get the keys?
Change every lock and garage code before you sleep there — previous owners, contractors, and agents all have copies. Then locate your water, gas, and electrical shutoffs.
What's the biggest closing-day risk that has nothing to do with the paperwork?
Wire fraud. Fraudsters intercept buyer/agent/title emails and send fake wire instructions. Call the title company directly using a number you looked up yourself — never trust instructions from email alone.
Other free HomeMath downloads
Electrical & Plumbing Red Flag Guide
What panel type, wiring era, and pipe material actually cost to fix — before you're the one who owns them.
Get it →
Attic Inspection Checklist: What $1,500–$10,000 Looks Like
What ventilation, insulation, and roof-deck staining actually cost to fix, before you're the one who owns them.
Get it →
Basement & Foundation Red Flag Guide: What $500 Buys You
What a structural engineer costs to tell you if a crack is cosmetic or a $30,000 problem, before you sign.
Get it →