What to Bring to Your Connecticut Closing: A Checklist

A Connecticut closing is short, but showing up without the right items can slow it down. Here is what buyers and sellers bring, and what to do if you can't be there in person.

The meeting itself usually takes under an hour, generally up to about 45 minutes at the table. We also send a specific checklist for your closing in advance, so think of this list as the overview.

1. Buyers: A Government-Issued Photo ID

Bring a government-issued photo ID to the closing. A driver's license or passport is the usual choice.

2. Buyers: Your Closing Funds

Buyers bring the money needed to close: a certified or cashier's check, or a wire confirmation if you wired the funds.

Your attorney will tell you the amount. It comes from your closing disclosure.

3. Buyers: Anything Your Lender Asked For

If you have a mortgage, bring any documents your lender has asked you to bring. Lenders differ in what they request, so check the list your lender gave you and ask us if anything is unclear.

4. Buyers: Your Questions About the Closing Disclosure

The closing disclosure shows your loan terms and closing costs. We review it with you during the week of closing, so bring any questions you still have to that conversation or to the table.

Want to read it ahead of time? Ourguide to the closing disclosurewalks through it.

5. Sellers: A Government-Issued Photo ID

Sellers need a government-issued photo ID too.

6. Sellers: Keys, Garage Door Openers, and Access Codes

Bring every key, garage door opener, and access code for the property. The keys change hands by the end of the meeting, so gather them before you leave home.

7. Sellers: Anything We Ask You For

If you have a mortgage on the home, we prepare the payoff figures ahead of time, along with the deed. Bring anything on the checklist we send you.

8. Everyone: A Plan if You Can't Be There

If you live out of state, you do not have to travel to Connecticut just to sign. We can arrange a mobile signing, where a signing professional comes to you. Buyers still sign original documents in ink.

If someone needs to sign for you, the answer is often yes with a properly drafted power of attorney that the lender and title insurer accept. For a buyer, that also requires the lender's approval. Set it up well before closing, because a last-minute power of attorney can delay things.

One Warning About Wire Instructions

Wiring instructions never change by email. Before you send any money, verify the instructions by phone, using a number you already have.

Wiring instructions never change by email. Call a number you already have.

Read more in our guide towire fraud and your Connecticut closing.

Ready for closing day

If you are buying or selling in Connecticut and want to talk through what to expect, book a free 15-minute call with Mancuso Carey. You can also see how our closings work.