A few days before you close escrow on your house, you have to wire over the remaining cash to close.
For example, within the first few days of opening up escrow you have to send over 3% of the purchase price as a deposit.
If your down payment is 20%, that means you still need to send over the remaining 17% at some point.
That 17% (plus any other closing costs funds needed) must be wired over to the escrow company at least 72 hours before you officially close escrow.
That way the escrow company has all the money it needs from you and is just waiting on the lender to wire over the loan money.
