How much money do I bring to closing?

The exact amount you need at closing comes from the settlement statement your closing attorney provides shortly before the appointment, combining your down payment, closing costs and any prorated items like property taxes. Most closings require certified funds sent by wire rather than a personal check or cash, so confirm the wiring instructions by phone with a number you look up independently, not one pulled from an email. Never wire money based on emailed instructions alone without that verification step.