The amount of money that you must bring to your closing will depend on your situation. Generally, you only need to bring money to the closing if you're purchasing a new home. If you're refinancing your current home, you may choose to add all of your closing fees into your loan. Because the amount of money required to close a loan varies from borrower to borrower, your PLC Loan Officer will provide you with the total amount due a few days prior to your closing.