The Great Closing Day Checklist: What to Pack, What to Expect, and What to Laugh About Later

Closing on a home in the U.S. Virgin Islands?

Congratulations — you’re not just buying property; you’re stepping into an island lifestyle filled with salty breezes, lush landscapes, and sun-drenched days. But before you kick off your flip-flops and toast with a rum punch, there’s one final hurdle: closing day.

Whether you’re moving to St. Thomas, St. Croix, St. John, or Water Island, closing on a home here has its own tropical twist. This guide will walk you through what to pack, what to expect, and which island quirks you’ll laugh about later.

Trust us, it’s different from a mainland closing — and that’s part of the charm.

What Exactly Is Closing Day in the Islands?

Closing day is when ownership of your new island home officially transfers from seller to buyer. It's when legal documents are signed, funds are exchanged, and you (finally!) get the keys.

Unlike in some mainland markets, Caribbean closings can take on a more relaxed, laid-back rhythm — but don’t confuse that with a lack of formality. There’s still a process, and it helps to be prepared.

Most closings in the USVI happen in person at a title company, law office, or sometimes on a shaded patio with an ocean view (yes, really). Some buyers close remotely, but if you’re already on the island, why not soak in the moment?

What to Bring to a Closing in the US Virgin Islands

Here’s your island-savvy checklist for what to bring — pack it in a tote bag with SPF and an open mind.

1. Two Forms of Valid ID

Bring a current government-issued photo ID (like a driver’s license or passport) and a second form just in case. Especially in the islands, where systems can vary, it's better to over-prepare than to have to reschedule. Streamline Title & Escrow will ask you to verify your identity long before closing, but if you're signing documents at closing you still need the ID.

2. Certified or Cashier’s Check OR Wire Confirmation

Many title companies and attorneys in the USVI prefer wire transfers for closing funds. But island internet can be spotty, and delays aren’t unheard of. Call ahead to verify how they’d like you to handle your down payment and closing costs — and always confirm account numbers by phone to avoid wire fraud.

3. Proof of Homeowners and Hurricane Insurance

In the Virgin Islands, hurricane insurance isn’t optional — it’s a must. Lenders require confirmation of a paid policy that covers windstorm damage. Bring a copy of your insurance declaration page and a paid receipt, or email it in advance and verify they’ve received it.

4. Your Purchase and Sale Agreement

You might already have this stored digitally, but bring a printed version just in case Wi-Fi takes a vacation that day. It can help resolve any confusion about included appliances, fixtures, or furnishings — a common issue in island sales.

5. A Fully Charged Phone

You'll likely want to take photos, call your agent, or double-check documents. Don't forget your charger — power outages (aka “WAPA naps”) can happen even on closing day.

6. Your Island Crew

Whether it’s your real estate agent, attorney, spouse, or best friend, have someone in your corner who knows the process. They can catch details, calm nerves, or celebrate with you afterward.

What to Expect on Closing Day in Paradise

The Paper Parade

Yes, even in the Caribbean, there’s paperwork — but we do our best to make it as easy as possible. Buyers can expect to sign documents such as:

• The note

• The mortgage

• Title documents and affidavits

• Final closing disclosures

Your title officer or attorney will explain each form, but don’t hesitate to pause and ask questions. The laid-back island vibe doesn’t mean you should rush through anything important.

Fund Transfers & Final Totals

You’ll either confirm that your wire transfer arrived or hand over a certified check. Remember, wire transfers can take extra time to process in the islands, especially during storms or public holidays. Verify in advance, and bring confirmation of your sent wire.

Title Transfer and the Keys

Once funds clear and documents are signed, the property is officially yours. Keys are typically handed over at the table — unless you’ve worked out a different arrangement (like a post-closing occupancy agreement, which is common in some cases).

In the USVI, keys might be handed over alongside a “Welcome Home” basket, a bottle of Cruzan rum, or a handwritten note. It’s all part of the island magic.

What Could Go Wrong (and How to Laugh About It Later)

Let’s face it: this is the Caribbean. Things move at island speed. And while that’s part of the charm, it also means that hiccups happen. Here’s what to keep in mind:

Delayed Wires or Power Outages

WAPA (Water and Power Authority) is an adventure of its own. A short outage can delay printing, document access, or even fund verification. Pack some patience and a backup phone hotspot if possible.

Storms and Weather Warnings

Tropical weather is no joke. If there’s a storm warning, closings may be rescheduled, especially if air travel, ferries, or government offices shut down. Always check the forecast, especially during hurricane season (June–November).

Confusion About Furnishings

Many island homes are sold fully or partially furnished. Still, buyers and sellers can have very different ideas of what that means. Was the custom hammock included? What about the generator or cistern pump? Double-check the inventory list and walk through the property before closing, if you can.

Island Time is a Real Thing

People are friendly, and schedules can be fluid. Your 10 a.m. closing might start at 10:30… or 11:15. Plan your day accordingly. Deep breaths. You’re on island time now.

What to Do After You Close

Celebrate Like a Local

Pop the bubbly, hit the beach, or book dinner at a waterfront restaurant. You just bought a home in paradise — that deserves a toast (preferably with a painkiller or bushwacker in hand).

Change the Locks & Check Utilities

It’s not just a mainland best practice — it’s essential. Keys often float around (especially in vacation rental properties). Schedule a locksmith, check your cistern and generator, and update your WAPA and internet accounts right away.

Pro Tips for Closing in the USVI

• Island business hours vary. Double-check appointment times — some offices close early on Fridays.

• Dress smart, not stuffy. Flip-flops are fine, but avoid swimwear. Think “resort casual.”

• Save all signed documents digitally and physically. You’ll need them for tax time and insurance.

Frequently Asked Questions

Can I close remotely on a USVI property?

Yes, though it depends on your lender and title company. Many closings are done via mail-away documents, but local notary requirements may require some in-person steps, even in the state you reside in.

Do I need an attorney for closing?

It’s highly recommended in the USVI. Real estate law here can be complex, and a local attorney will protect your interests and walk you through the nuances of island-specific contracts.

How long does a closing take on the islands?

Generally Attorneys and your title company will handle closing between themselves and can be only a few minutes. If you are signing loan documents at closing then it can take 1-2 hours. We try to get everything done in the lead-up to closing so that once closing day arrives, it is easy and exciting.

When can I move in?

Possession typically transfers upon closing unless otherwise agreed. Double-check your contract and walk through the property first.

You Made It — Welcome Home

Closing on a home in the U.S. Virgin Islands isn’t just a transaction. It’s a transformation. You’re not just buying real estate — you’re stepping into a new rhythm of life where ocean views outshine traffic jams and time feels a little more yours.

So pack your checklist, keep your cool, and don’t sweat the quirks. Every closing tells a story, and yours will be one to remember. When you're sipping your morning coffee overlooking the turquoise sea, you'll realize: every signature, delay, and detour was worth it.

From our sandy toes to yours — welcome to island living.

Reach out to us for more information on closing day!