You’re almost there. Once you’re under contract and moving toward closing, there are a few important things you need to handle on your end to make sure everything goes smoothly.

First — and this is critical — avoid making any financial changes. Do not open new credit cards, finance furniture, buy a car, or make large unexplained deposits. Your lender may re-verify employment, credit, and bank statements right before closing. Stability is key during this stage.

Next, review your Closing Disclosure carefully. This document outlines your final loan terms, interest rate, monthly payment, and exact cash-to-close amount. Compare it to your original Loan Estimate and ask questions if anything looks different. This is not the time to assume — it’s the time to clarify.

When preparing your funds for closing, always verify wiring instructions directly with the title company using a trusted phone number. Wire fraud is real, and buyers are frequently targeted during this stage. Never rely solely on emailed instructions without confirming them.

You’ll also need to secure homeowners insurance before closing and provide proof to your lender. Make sure utilities — electricity, gas, water, internet — are scheduled to transfer into your name on closing day so there’s no interruption.

Finally, we’ll schedule your final walk-through, typically 24–48 hours before closing. This is your opportunity to confirm the home is in the agreed condition and that any negotiated repairs were completed.