Closing day — the finish line of your home-buying journey! You’ve found your dream home, survived inspections and appraisals, and now it’s time to make it official. Before closing, your lender will send a Closing Disclosure , outlining every cost — loan amount, interest rate, taxes, and fees. Review it carefully to avoid surprises. Bring a certified check or arrange a wire transfer for your closing costs and down payment. The actual signing happens at a title company or atto