First-home cash-to-close checklist

Use this before the next conversation

1. Estimated down payment by loan path
2. Closing costs and prepaid expenses
3. Inspection, appraisal and moving reserves
4. Funds that need sourcing or seasoning
5. A monthly payment range you can live with

Write down what you know, mark what still needs verification and avoid including Social Security numbers, account numbers or other sensitive financial information.