Buying a home in the DMV area (D.C., Maryland, and Virginia) is exciting, but the final checklist before closing can be overwhelming. Missing a small detail might delay your move-in or cost you more money.
That’s why Brickfront Properties and Construction has put together this final home closing checklist to help buyers like you wrap up your real estate journey with confidence.
✅ 1. Review the Closing Disclosure
At least three days before closing, you’ll receive your Closing Disclosure. This five-page document outlines the final details of your mortgage, including:
- Loan terms
- Monthly payments
- Interest rates
- Closing costs
📌 Tip: Compare this document with your Loan Estimate. If anything looks off, reach out to your lender immediately.
✅ 2. Confirm Your Final Walkthrough
The final walkthrough is typically scheduled 24–48 hours before closing. It’s your chance to ensure the home’s condition hasn’t changed since your last visit and that agreed-upon repairs have been completed.
Checklist for walkthrough:
- Make sure all fixtures/appliances are still there
- Check that repairs were completed
- Test lights, outlets, faucets, and toilets
- Look for signs of leaks or damage
Don’t skip this step—it protects your investment.
✅ 3. Secure Homeowners Insurance
Your lender will require proof of homeowners’ insurance before closing. This is non-negotiable, and it must start on the day of closing.
Steps to take:
- Choose a provider and policy
- Provide the declaration page to your lender
- Confirm the coverage matches your property’s value
For tips on what escrow means for DMV buyers, check out this helpful Brickfront blog post.
✅ 4. Prepare Your Payment
You’ll be required to bring funds to cover your down payment and closing costs. These are typically paid through:
- A certified or cashier’s check
- A secure wire transfer
🚨 Beware of wire fraud! Always confirm instructions with your lender or title company via phone before transferring any funds.
✅ 5. Verify Your Loan Terms
Before you sign anything, make sure your loan information is exactly as you agreed upon:
- Interest rate
- Monthly payment
- Loan term
- Type of loan (fixed or adjustable rate)
This is your final chance to ensure everything is correct before committing.
✅ 6. Check Title and Deed Documents
Your title company will run a title search to confirm the seller legally owns the property and that no liens exist. Still, you should:
- Confirm your name is spelled correctly
- Ensure the property address is accurate
- Review your title insurance policy
Having professionals like Brickfront Properties and Construction on your team ensures no detail is overlooked.
✅ 7. Bring Your Documents on Closing Day
Here’s what you’ll need to bring:
- A valid photo ID
- Proof of homeowners’ insurance
- Your Closing Disclosure
- Cashier’s check or wire confirmation for payment
📌 Pro Tip: Make a digital and physical copy of all documents for your records.
✅ 8. Don’t Rush the Signing
Closing day includes a lot of paperwork—don’t let the excitement make you careless.
Before signing:
- Read everything
- Ask questions
- Double-check all figures
You’ve worked hard to get here, so make sure everything is right before you close the deal.
Final Thoughts
Closing on a home in the DMV area can feel overwhelming, but with this checklist, you’ll feel prepared and confident. At Brickfront Properties and Construction, we guide homebuyers through every step—from the offer to closing day. If you’re still house hunting, check out our post on the top cities for relocation in Maryland to explore your options.
