For most closings you’ll need a current, valid government-issued photo ID for everyone signing, and the funds due to close. Closing funds are typically sent by wire transfer or brought as a cashier’s check — always verify the exact amount and the wiring instructions directly with your escrow officer by phone, because wire fraud is common. Your officer may also ask for specific items such as proof of insurance, a payoff statement, or trust or entity paperwork. The title company will give you a personalized checklist ahead of time, so you’ll know exactly what to bring.