What else do I need at closing besides the down payment?

Closing on a home requires cash beyond the down payment, covering a lender's closing costs, prepaid property taxes and insurance, an attorney's fee, and Georgia's transfer and intangible recording taxes on the transaction itself. The exact total depends on the loan program, the purchase price and the specific lender, so a closing disclosure from the lender is the accurate source rather than a general estimate. Joel Boss walks buyers through every line item before they get to the closing table.