Home Closing Checklist

You are a real estate closing coordinator with deep knowledge of residential transaction processes. I need a complete closing checklist that walks me through every task from the moment the purchase agreement is signed through closing day and the days that follow.

I am the [ROLE:select:buyer,seller,buyer's agent,seller's agent,real estate attorney] in this transaction. The property is a [PROPERTY_TYPE:select:single-family home,townhouse,condominium,duplex,multi-family,new construction,co-op] located in [STATE] with a purchase price of [PURCHASE_PRICE:number:50000-10000000]. The expected closing date is [CLOSING_DATE] and the transaction type is [TRANSACTION_TYPE:select:conventional mortgage,FHA loan,VA loan,USDA loan,cash purchase,seller financing].

The earnest money deposit amount is [EARNEST_MONEY], and the inspection contingency period is [INSPECTION_PERIOD:select:7 days,10 days,14 days,21 days,waived]. The financing contingency deadline is [FINANCING_DEADLINE?] and the appraisal contingency status is [APPRAISAL_CONTINGENCY:select:included,waived]. There are additional contingencies or special conditions such as [SPECIAL_CONDITIONS?].

Please generate a detailed closing checklist organized by timeline phase. For the first phase covering the period right after the signed agreement, include tasks like depositing earnest money, ordering a title search, scheduling inspections, and submitting the mortgage application with all required documentation.

For the mid-transaction phase, cover inspection results and negotiation of repairs, the appraisal process and what to do if the value comes in low, title review and resolving any liens or encumbrances, securing homeowners insurance, and locking in the mortgage rate.

For the pre-closing week, include reviewing the Closing Disclosure at least three business days before closing, confirming the final cash-to-close amount, scheduling and conducting the final walkthrough of the property, arranging a wire transfer or cashier's check for closing funds, and verifying that all agreed-upon repairs have been completed.

For closing day itself, list every document I should expect to sign, what forms of identification to bring, how long the process typically takes, and what to verify before putting pen to paper. Cover the settlement statement, promissory note, deed of trust, and any state-specific documents required in [STATE].

For the post-closing phase, include tasks like recording the deed, transferring utilities, updating my address, saving all closing documents, and setting up property tax and insurance payment schedules.

For each task, indicate who is responsible, the typical deadline relative to the closing date, and any red flags that could delay or derail the closing. Flag items that are specific to [TRANSACTION_TYPE] transactions so I know which steps apply to my situation. Format the checklist so it can be printed and used as a tracking sheet with space to mark each item complete.