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There's no need to panic; at worst you can simply delay the closing until you resolve it.All your paperwork: You'll want to bring proof of homeowners insurance, a copy of your contract with the seller, your home inspection reports, anything the bank required to approve your loan, and a government-issue photo ID.

The hardest parts are over: You've found that perfect home in a haystack of listings, negotiated a deal you're happy with, and secured a mortgage—and you're now in the home stretch of the home-buying process.Thanks to new regulations put in effect in October 2015 known as TRID (which stands for TILA-RESPA Integrated Disclosure), you will receive your HUD-1 three days before closing so that you have plenty of time to check it over.(Before TRID, home buyers received this form only 24 hours ahead of time, which resulted in a lot more last-minute surprises and holdups.)Do a final walk-through: A buyer's contract usually allows for a walk-through of the home 24 hours before closing.Most sellers in my experience believe that they are free of a property once it has been sold.That’s not the case with respect to warranties that survive closing.

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