Fillable checklist

Home Closing Checklist: Buyer Day of Closing (Free Printable PDF)

Fillable buyer closing checklist for documents, funds, insurance, utilities, keys, and the last walkthrough gate. Print blank or save a filled PDF.

Buying & selling Fillable form · 6 sections · 32 checks Download filled or blank PDF and CSV Cross-checked against CFPB, HUD, and Fannie Mae Selling Guide · Last verified Sep 1, 2026

Snugage fillable checklist

Fill this on screen, then download a PDF or CSV. Download a blank copy to complete by hand. Answers stay in this tab only. The next visitor sees a blank form. This is a buyer-side day-of and immediately-before closing list: documents, funds, insurance, title, utilities, keys, and the last walkthrough gate before you sign.

  • 6 sections
  • 32 checks
  • Blank for each visitor

Form details

Closing

This is a practical template, not legal advice and not an official HUD, lender, or title form. Closing practices vary by state.

11 fields
Closing

N/A on a cash purchase with no loan.

A number you already have, not a number from a last-minute email.

Inspection station

Documents

Mark N/A when the item does not apply (cash purchase, no HOA, no survey required). Reverse mortgages and some other loans use different forms than the Closing Disclosure.

12 items
Documents

Closing Disclosure received on TRID timing

For most closed-end purchase mortgages, the lender must ensure you receive the Closing Disclosure at least 3 business days before closing. Cash purchases and reverse mortgages mark N/A.

Closing Disclosure received on TRID timing: Done, Open, or N/A

Closing Disclosure matches the Loan Estimate on key terms

Compare loan amount, product, loan type, interest rate, estimated monthly payment, closing costs, and cash to close. Ask the lender about any change you did not already agree to.

Closing Disclosure matches the Loan Estimate on key terms: Done, Open, or N/A

Deed and title packet

Deed that transfers ownership, title commitment or binder, and listed exceptions. Ask for the packet with the Closing Disclosure when you can.

Deed and title packet: Done, Open, or N/A

Promissory note and mortgage or deed of trust

If you are financing: the note is the promise to repay; the mortgage or deed of trust is the security instrument. Cash purchases mark N/A.

Promissory note and mortgage or deed of trust: Done, Open, or N/A

Government photo ID

Bring a current driver's license or other government ID the closing agent accepts.

Government photo ID: Done, Open, or N/A

HOA resale or condo documents

Resale certificate, bylaws, rules, budget, and any condo questionnaire the lender required. Mark N/A if there is no association.

HOA resale or condo documents: Done, Open, or N/A

Survey or plat if required

Only if the contract, lender, or title company required a new survey or an existing plat. Mark N/A if none was required.

Survey or plat if required: Done, Open, or N/A

Homeowner insurance binder or certificate

Proof of a policy that meets the lender's requirements, effective as of closing.

Homeowner insurance binder or certificate: Done, Open, or N/A

State-required disclosures

Seller property condition, lead-based paint, or other state or local forms your file still needs. Recording, notary, and some disclosures vary by state.

State-required disclosures: Done, Open, or N/A

Appraisal copy if the loan used an appraisal

If the property was appraised for the loan, you have a right to a copy before closing. Cash or appraisal-waiver files mark N/A.

Appraisal copy if the loan used an appraisal: Done, Open, or N/A

Title insurance arranged

Lender's policy if there is a loan, plus owner's policy if you chose one. The seller cannot require you to buy owner's title insurance from a particular company.

Title insurance arranged: Done, Open, or N/A

Names, address, and numbers match across documents

Even a misspelled name can delay recording. Confirm loan amount, rate, and cash to close match from the Closing Disclosure to the note.

Names, address, and numbers match across documents: Done, Open, or N/A

Inspection station

Funds

Cash to close, wire fraud, and Closing Disclosure versus Loan Estimate review are national items. Recording fees and who pays which line vary by state. Do not wire from an emailed instruction you have not confirmed by phone.

7 items
Funds

Cash to close method matches the title company's instruction

Wire or cashier's check, as the title or escrow company told you. Personal checks are often not accepted for the full amount.

Cash to close method matches the title company's instruction: Done, Open, or N/A

Wiring instructions verified by a known phone number

Call a number you already saved for the title or escrow company. Do not use a phone number or account change that arrived only by email.

Wiring instructions verified by a known phone number: Done, Open, or N/A

No last-minute email change to wiring instructions

Last-minute emailed changes to wiring or to verify personal data are a common closing scam. Confirm with your saved contacts before you send funds.

No last-minute email change to wiring instructions: Done, Open, or N/A

Prepaids and prorations reviewed on the Closing Disclosure

Prepaid interest, first-year homeowner insurance if collected, tax prorations, and HOA prorations. Confirm they match the contract and the closing date.

Prepaids and prorations reviewed on the Closing Disclosure: Done, Open, or N/A

Earnest money credited

Deposit already paid shows as a credit on the Closing Disclosure so you are not asked to bring it again.

Earnest money credited: Done, Open, or N/A

Cash to close amount matches what you will bring

The Cash to Close figure on the Closing Disclosure is the amount due at closing after credits. Confirm the wire or cashier's check is for that amount.

Cash to close amount matches what you will bring: Done, Open, or N/A

Seller credits and contract concessions match

Seller credit on the Closing Disclosure should reflect what you agreed in the contract, either as a lump credit or as seller-paid line items.

Seller credits and contract concessions match: Done, Open, or N/A

Inspection station

Insurance and utilities

Do not invent a flood zone. Use the lender's flood determination or a current FEMA map. Mark flood insurance N/A only when that determination says the structure is not in a mapped Special Flood Hazard Area and the lender did not require a policy.

6 items
Insurance and utilities

Homeowners insurance effective at closing

Policy or binder in force on the closing date, with the lender named as mortgagee if there is a loan. USDA and Fannie Mae both expect hazard insurance in force when the loan closes.

Homeowners insurance effective at closing: Done, Open, or N/A

Flood insurance if the property is in a mapped flood zone

Federally backed loans on buildings in a Special Flood Hazard Area require flood insurance. Record the zone from the flood determination. Do not guess a zone. Mark N/A if the determination is not SFHA and no policy was required.

Flood insurance if the property is in a mapped flood zone: Done, Open, or N/A

Utilities transfer scheduled

Electric, gas, water, sewer, and trash start in the buyer's name on the closing date, or as the contract required.

Utilities transfer scheduled: Done, Open, or N/A

Mailbox, HOA, and gate codes

Mailbox key or cluster-box code, gate and alarm codes, and any HOA access the seller or association was to provide.

Mailbox, HOA, and gate codes: Done, Open, or N/A

HOA dues payment method after closing

How and when regular assessments are paid, and whether any unpaid dues were prorated on the Closing Disclosure. Mark N/A if there is no association.

HOA dues payment method after closing: Done, Open, or N/A

Escrow for taxes and insurance understood

Whether property taxes and homeowners insurance are collected in the monthly payment, or you will pay them yourself. Confirm what is and is not in escrow (HOA dues often are not).

Escrow for taxes and insurance understood: Done, Open, or N/A

Inspection station

Walkthrough gate

This is a closing-day go/no-go, not a room-by-room inspection and not a substitute for the dedicated final-walkthrough checklist. If the gate fails, list the issue under Open items before you sign.

7 items
Walkthrough gate

Agreed repairs done or credited

Repair items from the contract or inspection negotiation are finished, or a written credit is on the Closing Disclosure.

Agreed repairs done or credited: Done, Open, or N/A

No new damage since the contract

No major unexpected change to the property since you last viewed it. This is a condition gate, not a new home inspection.

No new damage since the contract: Done, Open, or N/A

Vacant and broom-clean if the contract required it

Seller debris and personal items removed when the contract called for vacant delivery. Occupied or tenant remaining: mark N/A only if that occupancy was agreed.

Vacant and broom-clean if the contract required it: Done, Open, or N/A

Keys, remotes, and fobs

House keys, mailbox key, garage-door openers, gate remotes, and HOA fobs present or accounted for in writing.

Keys, remotes, and fobs: Done, Open, or N/A

Systems that should be on are on

Utilities in service, HVAC operable in season, water heater heating. Confirm power and water are on so you can tell the house is habitable. Not a full systems inspection.

Systems that should be on are on: Done, Open, or N/A

Contract inclusions still on site

Appliances, fixtures, and other items named in the contract remain. Missing inclusions are an open item, not a reason to re-inspect every closet.

Contract inclusions still on site: Done, Open, or N/A

Occupancy matches the contract

Seller out if vacant delivery was required, or tenant remaining on the terms you agreed. Possession date matches the contract.

Occupancy matches the contract: Done, Open, or N/A

Form details

Open items and sign-off

If the walkthrough gate or a document line is still open, do not mark Ready to close. Closing with listed credits is only for items the parties have already agreed in writing.

4 fields
Open items and sign-off

Draw your signature, or upload an image to replace it.

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References

  1. Closing Disclosure explainer - CFPB
  2. Review documents before closing - CFPB
  3. What is a Closing Disclosure? - CFPB
  4. Your home loan toolkit - CFPB
  5. Your mortgage closing checklist - CFPB
  6. TILA-RESPA Integrated Disclosure FAQs - CFPB
  7. Questions about the closing process - CFPB
  8. HUD Housing Counselor Training Module 4.1 (Know Before You Owe / settlement) - HUD
  9. B7-3-06 Flood insurance requirements - Fannie Mae Selling Guide
  10. B7-3-07 Evidence of property insurance - Fannie Mae Selling Guide
  11. B2-1.1-01 Occupancy types - Fannie Mae Selling Guide
  12. HB-1-3555 Chapter 16 Closing the loan - USDA Rural Development
  13. Checklist: Your Final Walk-Through - National Association of REALTORS

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These checklists are provided for general reference only. Always verify the steps against local codes, a licensed inspector or a qualified contractor before relying on them, especially for safety-critical work.