Complete Checklist of Closing Documents

For every home buyer, closing is the long-awaited finish line where dreams become reality. Yet, it is also a process filled with paperwork that can be daunting for many. Fear not! We will demystify the closing process with this comprehensive checklist of closing documents.

1. Note
2. Mortgage
   • 1-4 Family Rider (2-4 Family)
   • Adjustable Rate Rider
   • Condominium Rider
   • PUD Rider
   • Second Home Rider
3. Residential Contract
   • Power of Attorney
4. Loan Application – 1003
5. Compliance Agreement
6. First Payment Letter
7. Tax Record Information Sheet
8. W-9
9. Tax Escrow
10. Disclosures
    • Initial Escrow Account Disclosure Statement
    • NY Real Property Insurance Escrow Account Disclosure
    • Notice of Right to Copy of Appraisal
    • Notice of Creation, Transfer or Termination of Tax Escrow Account
    • Credit Score Disclosure
    • Servicing Disclosure Statement
    • Affidavit of Occupancy
    • Equal Credit Opportunity Act Notice
    • Notice of Furnishing Negative Information
    • Notice of Right to Cancel
11. Affidavit 
    • Signature/Name Affidavit
    • USA Patriot Act
    • Seller Affidavit
12. Flood 
    • Flood Hazard Determination
    • Hazard Insurance Authorization
    • Hazard Insurance Endorsement Letter
13. Entity Documents
    • Personal Guaranty
    • Undertaking Letter
    • Notarized Resolution/ LLC Consent
14. Closing Disclosure (CD)
    • Seller (CD)
15. Tax Transfer Docs
    • Customer Registration Form for Water and Sewer Billing
    • Affidavit of Compliance with Smoke Detector Requirement
    • Smoke Alarm Affidavit
16. (AFT) Automated Transfer Authorization
17. Title
    • Title Report
    • Title Insurance Policy
18. EMA
    • CEMA Section 255 Affidavit
    • Collateral Docs
19. Borrower’s Certification & Authorization
    • IDs
20. Disbursement
    • Loan Disbursement Instructions
    • Loan Disbursement List & Checks
    • Payoff Statement
21. Insurance Binder  
22. Deed
23. Others 
    • Instruction to Escrow/Title/Closing Agent
    • Amortization Schedule
    • Items Required by Lender to be Paid in Advance
24. Miscellaneous

Want to have the key closing documents explained by a title professional? Check out our videos What Are You Signing at The Closing of Your Home Part 1 & Part 2 now.