This final number comes together a couple of days prior to closing as the Seller finalizes his/her final tax and Seller credits and as the lender finalizes all of it’s figures. A good real estate attorney will work closely with the Buyer, the title company and the lender to ensure that these figures come together in sufficient time to ensure Buyer obtains the funds and brings them to closing in the manner acceptable to the title company. Typically, if the cash to close is less than $50,000, Buyer may bring a cashier’s check to the closing. If the cash to close is more than $50,000, then the funds need to be wired.