North Alabama Home Closing and Utility Checklist

Use the agreement and your closing team as the source of truth.

Timelines and required steps vary by contract, lender, property, and closing provider. This list helps you remember what to ask and confirm.

01

Before closing

Review your Closing Disclosure and compare it with the latest Loan Estimate.Confirm the closing date, time, location, and required identification with your closing provider.Ask your lender and closing provider for the final cash-to-close amount and approved payment method.Independently verify any wiring instructions using a trusted phone number you already have.Confirm insurance coverage, utility start dates, and service providers for the exact property address.Keep inspection reports, repair agreements, permits, and service records in one folder.

02

Final walk-through

Compare the home’s condition with the written agreement and any repair commitments.Check that agreed appliances and attached items remain, and note anything that differs from the agreement.Check the agreed fixtures and systems with the seller’s permission, and record questions for your agent.Confirm keys, garage remotes, access codes, and documents that will be delivered at closing.Ask your agent or closing provider how to handle an issue before signing or taking possession.

03

After closing

Save the signed closing package, title documents, insurance information, and lender contact details.Confirm when and where the deed will be recorded with your closing provider.Update your mailing address with the county tax office and verify the parcel account.Ask the county assessor whether you qualify for a homestead exemption and how to apply.Keep your inspection, repair, warranty, and maintenance records with the home documents.

A useful North Alabama detail

Confirm utility providers by address.

A community name or postal city does not identify every utility provider. The City of Madison, for example, lists different providers for Madison County and Limestone County addresses within the city. Use the official provider directory and confirm service for the exact property.

Huntsville Utilities

Start, stop, or transfer service. Confirm the address and required documents directly with the utility.

Open official service page

City of Madison provider directory

The city lists different service providers for addresses in Madison and Limestone counties.

Open official service page

Madison Utilities

Water and wastewater service area lookup, new service, transfer, and stop requests.

Open official service page

Harvest-Monrovia Water and Sewer Authority

Contact the authority to check whether the property is in its service area and arrange service.

Open official service page

Athens Utilities

Residential service application and current requirements for Athens addresses.

Open official service page

After you take ownership

Put the county tax record on your calendar.

Alabama property taxes are due October 1 and are delinquent after December 31. A buyer should not assume the seller’s bill will predict the next bill. Check the parcel record with the county and ask the assessor about the applicable assessment and any homestead exemption.

Keep planning with local details

Make your next question easier to answer.

Use Becca’s free tools to compare written loan offers or research an address before closing.

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