If it is too little, you can give us a personal check for the difference provided it is not to large. Personal Checkbook Bring your personal checkbook to closing. You may need to write a check if your cashier's check is too small. You may accumulate a lot of papers when you refinance. You may need to refer to them if questions arise during closing.
Children are certainly welcome at our closings.
If possible, however, arrange for childcare during your closing. Your refinancing is an important transaction. You should be able to give your undivided attention to the closing.