The Bull Brew · Closing Day

Closing-Day Funds Checklist

Closing day is where wire fraud lives. Verify every step, account for every dollar — and never wire money to an unverified account.

1

Work the wire-fraud guard first. No exceptions, no shortcuts.

2

Run your cash-to-close math so the number is exact.

3

Check off every group before you sign anything.

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1

The Wire-Fraud Guard

Do these before anything else. A single skipped step here can cost you the entire down payment.

2

Your Funds

Know the exact number. Then decide how it travels.

From your Closing Disclosure, page 1.
Taxes, insurance, prepaid interest.
Already paid. It comes off the total.
Repair credits, concessions.
Cash to close
$0
closing costs + prepaids − earnest − credits
Wire or cashier's check?
Amount is over $25,000
Closing is within 24 hours
You can get to your bank today
3

Documents

Bring it. Sign it. Photograph it.

4

Final Walkthrough

Do this before you sit at the signing table — not after.

🚩 Five classic wire-fraud tells

  1. Last-minute change to the wiring instructions. Legit instructions don't change the day before closing.
  2. Urgency + secrecy. "Wire in the next hour" and "don't tell anyone" is a script, not a procedure.
  3. Email-only instructions with no one willing to confirm by phone. Real title companies expect your call.
  4. An almost-right email address — one letter off from your agent, lender, or attorney.
  5. "Skip verification to save time." Anyone rushing you past a callback is not on your side.

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