What should the buyer bring to the closing?

In a real estate transaction, it is crucial for the buyer to bring the appropriate form of payment to the closing. A cashier's check or wire transfer for the amount of closing costs and down payment is the most suitable option.

This method of payment is favored because cashier's checks are guaranteed funds from the bank, ensuring that the seller receives the payment immediately and without risk of bouncing, unlike a personal check. Wire transfers also offer the benefit of instant payment, making them a secure and efficient choice for large transactions typically involved in real estate closings.

Utilizing a cashier's check or wire transfer aligns with common practices in real estate to protect all parties involved, ensuring that the funds are readily available and can be promptly applied to the transaction. It is important for buyers to check with their specific closing agent or lender, as they may have particular preferences or requirements regarding payment methods to complete the closing process smoothly.

Other options, like bringing a personal check or a promissory note, do not assure the seller that the funds are secure or guaranteed at the time of closing, which is why they are not ideal choices for this scenario.