After weeks (or months) of searching, negotiating, and planning, closing day is finally here! But what actually happens at closing, and what do you need to bring?
Spoiler alert: If you show up unprepared, it could delay your home purchase—or worse, cause major headaches.
In this post, we’ll cover:
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What happens on closing day
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What documents you need to bring
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How to avoid last-minute surprises
Step 1: What Happens on Closing Day?
Closing day is when you officially become a homeowner. You’ll sign the final documents, pay any remaining costs, and receive the keys to your new home.
Here’s what to expect:
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Finalizing Your Mortgage – You’ll sign the paperwork that officially locks in your loan terms.
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Reviewing & Signing Documents – This includes the closing disclosure, loan agreement, and title transfer.
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Paying Closing Costs – If you owe any remaining down payment or fees, you’ll pay them at closing.
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Getting Your Keys! – Once everything is signed and recorded, the home is officially yours.
Important: Read everything before signing! If something looks off, ask questions before finalizing the deal.
Step 2: What to Bring to Closing
Don’t show up empty-handed! Here’s what you’ll need:
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A government-issued ID (driver’s license or passport)
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A cashier’s check or proof of wire transfer for any remaining payments
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Your closing disclosure (review it before signing anything)
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Proof of homeowners insurance (lenders won’t finalize without it)
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Any additional paperwork requested by your lender
Pro Tip: Wire fraud is real! Verify wire transfer instructions directly with your lender or title company before sending any money.
Step 3: Avoiding Last-Minute Closing Day Surprises
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Double-check your closing disclosure – Make sure all numbers match what you agreed to.
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Confirm your closing time & location – Sometimes delays happen, so stay in touch with your agent and lender.
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Don’t make any big financial changes before closing – No new credit cards, loans, or job changes!
If there’s an issue on closing day, stay calm. Your real estate agent and lender will help sort it out.
Final Thoughts: The Finish Line Is Here!
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Closing day is when you officially take ownership—be prepared.
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Bring the right documents & double-check your final numbers.
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Stay patient—if something goes wrong, your team will help fix it.
Once everything is signed, it’s time to celebrate—you’re officially a homeowner!
Watch the Full Conversation
Want to make sure you’re fully prepared for closing day? Watch this part of the discussion here:
Video Timestamp: 58:45 - 1:06:30
In Part 10, we’ll discuss what happens AFTER you get the keys—how to settle into homeownership the right way.
#Realtor #RealEstateAgent #FirstTimeHomeBuyer #InvestmentProperty