Property Checklist
Buyer cash to close document checklist
Documents and line items buyers should collect before trusting cash to close, lender disclosures, title estimates, escrow setup, and HOA charges.
Best for: Buyers comparing down payment, lender costs, title charges, prepaids, escrow setup, taxes, insurance, credits, and association costs.
Use when: Use this before wiring funds, after a loan estimate changes, or when cash to close jumps near closing.
Always verify wiring instructions directly through trusted channels. Do not rely on emailed wire changes without independent confirmation.
Plain English
What papers should I collect before this decision?
Use this to keep the quote, cost, document, and question list in one place before you sign or pay.
Start here: Check the boxes you already have, then use the missing boxes as your question list.
Lender and title documents
Cash to close changes when lender fees, title fees, credits, escrow, and prepaids are mixed together.
Loan estimate and closing disclosure
CoreCompare versions and ask which exact line changed from the prior estimate.
Title or escrow estimate
CoreCollect settlement, lender policy, owner policy, recording, wire, courier, endorsement, document, and escrow lines.
Seller credit and lender credit terms
Confirm credits appear in the right section and are not lost because of limits or contract wording.
Prepaids, escrow, and taxes
Not every increase is a fee. Some increases are prepaid interest, insurance, tax escrow, or timing.
Homeowners insurance invoice
Confirm premium, paid status, escrow treatment, and effective date.
Property tax proration
Check latest tax bill, proration date, local custom, exemptions, and whether taxes are prepaid or escrowed.
Escrow setup
Separate reserve deposits from actual closing fees.
Prepaid interest
Closing date can change the number of prepaid interest days.
Post-closing reserve
A purchase can close and still be fragile if repairs, move-in costs, and cash buffer disappear.
Inspection and appraisal cash
Track what was already paid and what is still due outside the closing table.
HOA or condo fees
Collect transfer, move-in, capital contribution, working capital, prepaid dues, and document fees.
Repair and moving reserve
Do not let the closing number consume the cash needed for immediate repairs, moving, locks, utilities, and appliances.
If a cash-to-close jump drains the reserve, reassess the purchase before wiring.
Before you act
- Rebuild cash to close from line items instead of relying on a percentage.
- Compare old and new estimates line by line.
- Verify wire instructions, lender disclosures, title statements, and association amounts before closing.
Decision packet prompt
Build a packet with loan estimate, closing disclosure, title estimate, seller credits, escrow setup, prepaids, association charges, cash reserve, and changed lines.
Open the decision packetUse this before requesting or accepting an estimate
A checklist is useful before monetization: collect the evidence first, then use it to run the calculator, compare the bid, build the packet, or request a cleaner estimate. Do not send private claim documents through Kefiw unless a page explicitly explains how that information is handled.
Checklist FAQ
Should I wait to use this checklist until the claim is open?
No. The checklist is useful before cleanup, before signing, before filing, before an adjuster visit, and before sale or rental documentation conversations.
Does this checklist decide coverage or contract terms?
No. It helps organize proof and questions. Verify policy, contract, safety, legal, and local-rule issues with qualified sources.
What should I do after completing it?
Run the related calculator, build the Property Decision Packet, compare the bid, or request an estimate only after the key proof and missing questions are visible.