Funding Your Closing

How to safely send your closing funds — down payment, closing costs, and earnest money.

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Wire Fraud Warning — Please Read Before Sending Any Funds

Criminals impersonate title companies via email and send fake wire instructions. NEVER wire money based solely on email instructions. Always call our office directly at (301) 615-9720 to verbally confirm wire instructions before sending any funds.

Your Funding Options

You'll receive a Closing Disclosure at least 3 business days before closing showing the exact amount you need to bring.

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Wire Transfer

The most common method for larger amounts. Always verify wire instructions by phone before sending.

⏱ Funds typically available same day
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Cashier's Check

A certified check from your bank made payable to Kapstone Title. Must be presented at closing.

⏱ Must be presented at closing in person
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Digital EMD Payment

For earnest money deposits, we support secure digital payment options. Ask your coordinator for the payment link.

⏱ Funds clear within 1-3 business days

Questions About Your Closing Funds?

Call us directly or contact your closing coordinator. We're here to help.