Closing day is a major milestone―but last-minute issues can throw off your plans. Here are four common pitfalls and how to avoid them for a smooth, stress-free closing.

Final Walk-Through Surprises

The final walk-through―usually 24-48 hours before closing―is your last chance to check the property. According to the NAR, 5% of buyers find major problems like water damage or structural issues. If something serious comes up, don’t panic. You can negotiate repairs or escrow funds until it’s resolved. Reduce risk by getting a thorough inspection early and reviewing it closely.

What Stays―and What Goes

Misunderstandings about what stays with the home―like a beloved chandelier or appliance―can sour closing day. A 2023 Zillow survey found that 20% of buyers ran into disputes over fixtures and appliances. Avoid confusion by clearly listing all included items in your purchase agreement. Take photos or notes during showings to align expectations and prevent last-minute disappointments.

Financial Fumbles: Don’t Let Credit Changes Trip You Up

A sudden change in your finances can delay―or even cancel―your loan. A 2024 Fannie Mae report found that 10% of mortgage delays stem from last-minute credit changes like new accounts or large deposits. Avoid applying for credit, switching jobs, or making big purchases before closing. Keep your lender in the loop about any financial updates.

Title Troubles: Understanding the Risks

Title issues―like unresolved liens or ownership disputes―can delay closing. The American Land Title Association says 1 in 4 title searches reveal issues that must be cleared before moving forward. Work with your title company early to resolve any red flags. If problems arise, take time to understand your options and ensure a clean title before you sign.