Closing day in Florida should be the easy part — if you've prepared. Use this checklist in the days before and the morning of your closing so nothing trips you up at the table.
⚠️ WIRE FRAUD WARNING: Criminals send fake "updated wire instructions" by email. Never wire funds based on emailed instructions. Always call your title company at a number you independently verified to confirm wiring details before sending a penny. We will never email you new instructions at the last minute.
1–2 Weeks Before Closing
- Confirm your closing date, time, and location (or remote/RON setup) with your title company.
- Lock and verify wiring instructions by phone using a number you looked up yourself.
- Review your Closing Disclosure / settlement statement for accuracy.
- Finalize homeowners insurance — policy bound and effective on closing day.
- Avoid new credit, large purchases, or job changes that could affect your loan.
- Schedule your final walk-through.
What to Bring to Closing
- Government-issued photo ID (driver's license or passport) for every person signing.
- Cashier's check or proof of completed wire for funds due.
- Any documents your title company or lender requested.
- Your spouse, if required to sign (Florida homestead rules — even a non-owner spouse may need to sign).
- Contact info for your agent, lender, and insurance, just in case.
Before You Sign — Confirm
- Names and spelling on the deed are correct.
- The loan terms match what you agreed to (rate, amount, payment).
- You're getting an owner's title insurance policy (not just the lender's).
- All credits, prorations, and fees on the statement look right.
- You understand who pays what and the total cash to close.
- Any repairs or seller obligations from the contract are satisfied.
After Closing — Keep Safe
- Your signed closing documents and Closing Disclosure.
- Your owner's title insurance policy (store it permanently).
- The recorded deed once it returns from the county.
- Sign up for your county's free property fraud alert.
💡 Want the full story behind these items? Read 5 Florida Title Closing Mistakes to Avoid.
General information, not legal or financial advice. Requirements vary by transaction; your title company and lender will confirm exactly what's needed for your closing.
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