Before Closing: Verify Funds, Documents and Instructions

The final days of a real estate transaction involve large sums and time pressure. Clear communication with the closing attorney helps reduce preventable mistakes.

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Prepared for Adkins & Purkey · Published October 3, 2026 · Editorial information

In this guideConfirm the outstanding items Independently verify wire instructions Keep the closing record Preparation checklist

Confirm the outstanding items

Ask about identification, signing arrangements, lender conditions, title questions and the required form of funds. Review the settlement figures and raise discrepancies early. A scheduled appointment does not guarantee that every closing condition has been satisfied.

Independently verify wire instructions

Treat unexpected changes to payment instructions as a reason to stop and verify. Call a trusted number obtained independently from the suspicious message, not a new number supplied in it. Do not rely solely on email appearance or a familiar signature block.

Keep the closing record

Retain the signed documents, settlement statement and information about recording and title coverage. Confirm what has been completed and what remains pending. If an error or suspected fraud occurs, contact the bank and closing attorney immediately; delay can make recovery more difficult.

At a glance

Before sending funds	After signing
Verify instructions through a trusted channel	Keep the final signed documents
Confirm the amount and recipient	Confirm completion and recording as appropriate

A practical example · hypothetical

An email appears to come from a familiar closing contact but changes the destination bank hours before closing. Pause and verify through the established telephone number. A convincing message is not independent confirmation.

What to gather before a consultation

Trusted closing-office telephone number
Current settlement figures
Required identification and signing plan

One more question

Can the website verify a wire instruction for me?

No. Verify directly with the closing office through a trusted channel and follow its secure process.

A key and property-planning documents illustrate real estate preparation. — Conceptual illustration · Adkins & Purkey

Discuss a Salisbury or Rowan County matter

Adkins & Purkey can evaluate the documents, deadlines and circumstances behind your question. Explore our real estate practice or contact the firm to discuss the next step. Calls and texts: 704-880-9388.