Pre-Closing Checklist for Home Buyers | Joanne Dal Santo

Buyer Guide

Your Pre-Closing Checklist

Closing week is when the small stuff can quietly pile up: utilities, movers, address changes and a dozen little errands that are easy to forget mid-move. This checklist pulls the week before closing into one place for buyers in Illinois and Indiana, with the exact providers and steps for Chicago's South Suburbs and Northwest Indiana. Work through it at your own pace, and know I am with you every step of the way.

House keys and moving boxes waiting in a sunlit new home before move-in day
Licensed in Illinois & Indiana $40M+ in Closed Sales ABR, SRS and SRES Designations Buyers on Both Sides of the State Line

Utilities & Services

Set Up Your Utilities Before Move-In Day

The week before closing is the time to call every provider, because most utilities need a few days’ notice to schedule a start date. Aim to have service begin the day before move-in or the morning of move-in, so the lights, heat, water and internet are ready when the boxes arrive.

Illinois

The Illinois South Suburbs share the same big-name electric and gas utilities, yet water is a local matter: each town runs its own water department, so call your new village or city directly.

Electricity

ComEd

Sets up electric service for your new address. Schedule the start for the day before move-in or the morning of move-in.

Visit Website

Xfinity and AT&T

Internet & TV

Check which internet and TV providers serve your new address, then book the install window around moving day.

Contact Your Town to Set Up

Natural Gas

Nicor Gas

Handles natural gas service across the Illinois South Suburbs. Have your account number and new address ready.

Visit Website

Local Village or City

Water & Sewer

Each South Suburb town runs water locally, so contact your new town’s water department directly to set up service.

Contact Your Town to Set Up

Indiana

Northwest Indiana towns each handle water and sewer locally, so Crown Point, Munster, Highland and Schererville all have their own water billing. NIPSCO covers electricity and natural gas for most of the region.

Xfinity and AT&T

Internet & TV

Check which internet and TV providers serve your new address, then book the install window around moving day.

Contact Your Town to Set Up

Electricity & Natural Gas

NIPSCO

Provides both electricity and natural gas across most of Northwest Indiana. Set the start date for before you move in.

Visit Website

Local Town or Utility

Water & Sewer

Northwest Indiana towns handle water locally: Crown Point, Munster, Highland and Schererville each have their own water billing. Contact your new town or utility directly.

Contact Your Town to Set Up

Timing tip: schedule every utility start date for the day before move-in or the morning of move-in. A one-day overlap costs almost nothing and means lights, heat and internet are already on when the first box comes through the door.

Trusted Local Movers

Schedule Your Movers

These are the two companies I recommend to my clients around here. Both are established, local businesses that handle local and long-distance moves, and both have moved my clients across Illinois and Indiana with care.

Bill’s Movers & U-Lock Storage

10330 Indianapolis Blvd, Highland, IN 46322

Local and long-distance. Family-owned since 1958, serving Northwest Indiana with local and long-distance moves.

Thompson Moving & Storage, Inc.

15331 S 70th Ct, Orland Park, IL 60462

Local and long-distance. Moving since 1947, licensed in 48 states, with local and long-distance moves.

Book early. Movers fill up fast for end-of-month closings, so lock in your date as soon as you have the closing date confirmed, and confirm your walkthrough date with me first so moving day lines up with the calendar.

Address Changes

Update Your Address

Give yourself an afternoon to start this list, because a few of these take a week or more to process. Work down it in order and cross each one off as it is done.

Forward Mail with USPS

File your change of address online or at the post office so mail follows you from day one.

Update Banks & Credit Cards

Every account, bill and card statement should list your new address before closing.

Update Employer & Payroll

Make sure your W-2 and pay stubs land at the right place before tax season.

Update Insurance Addresses

Car and homeowners insurance both need the new address, and rates can shift by ZIP code.

Register Vehicles & License

Illinois Secretary of State on the IL side, Indiana BMV on the IN side. Both have a window after you move.

Update Voter Registration

Register at your new address before the next election so you are on the rolls where you vote.

Cancel or Transfer Subscriptions

Cancel what you will not use and update the delivery address for anything that stays.

Notify Doctors & Schools

Records and prescriptions follow you best when the new address reaches them early.

Update HOA or Condo Association

Give the association your new contact info so dues, notices and rules reach you directly.

Switch Service Providers

For providers you are leaving, close old accounts; set the new ones to start around move-in day.

Illinois driver's license and vehicle registration

Update your license and registration through the Illinois Secretary of State after you move.

Indiana driver's license and vehicle registration

Indiana requires new residents to register vehicles and get an Indiana license through the Bureau of Motor Vehicles within a set window after moving.

Final To-Dos

Other Pre-Closing To-Dos

These are the finishing touches that make closing day feel smooth instead of rushed. Most take ten minutes; together they make all the difference.

01

Schedule the Final Walkthrough

Walk the home with your agent in the days before closing so you see it empty and ready.

02

Confirm Closing Costs & Payment

Ask the title company for the exact total and method, wire transfer or cashier’s check, ahead of time.

03

Inspect Appliances & Systems

At the walkthrough, test the furnace, water heater, appliances and any included fixtures yourself.

04

Take Meter Readings on Move-In Day

Read the electric, gas and water meters the morning you take possession for a clean baseline.

05

Change the Locks

The seller may have handed out keys over the years; rekey or swap the locks right after closing.

06

Set Up Trash & Recycling

Confirm your pickup day and get bins ordered with the town or hauler before the first curbside morning.

07

Plan for Moving Day

Arrange parking, elevator or stair time, and pet care so the crew can work without interruptions.

08

Stay Ready on Closing Day

Keep your phone charged and your ID, closing documents and payment in one bag you carry yourself.

An empty sunlit living room ready for the new owners, keys waiting on the window sill

Your walkthrough is your last look before the keys are yours

Walk every room, open every door, and run the faucets, the furnace and the appliances. Confirm that the repairs agreed to after the inspection are actually done, and ask your agent anything that looks off. This is your chance to catch it before you sign, and I will be right there with you.

One wiring caution: for your closing payment, only use the wiring instructions you confirm directly with the title company by phone. Never trust an email that changes payment details at the last minute.

New to the process? The buying guide walks through every step to this point, and the relocation guide covers what changes when your move crosses the Illinois-Indiana line.

Almost There. Let's Get You to the Keys

If anything on this list raises a question, call, text or book a call. I have helped buyers on both sides of the state line close with confidence, and I am with you until the keys are in your hand. You Can With Joanne!

Call or text (708) 252-1490  ·  Licenses RB18001751 (IN)  ·  475.183533 (IL)