A real estate closing is the legal process where a home purchase is completed. During the closing, the buyer signs their mortgage documents, the seller signs the deed, funds are transferred, and the title is officially recorded. Once the closing is finished, the buyer becomes the legal owner of the property.

1. Signing Documents

The buyer and seller sign all required paperwork—including the deed, settlement statement, mortgage documents, and affidavits.

2. Paying Funds

The buyer brings their down payment and closing costs. The lender provides loan funds.

3. Transferring Ownership

The seller signs the deed, which transfers ownership to the buyer.

4. Title Work & Recording

The closing attorney or title company ensures the title is clear, issues title insurance, and records the new deed and mortgage at the county registry.

5. Keys Delivered

Once everything is signed and funded, the buyer gets the keys—closing complete!

• Make the sale legal and binding

• Protect the buyer with a clear title

• Ensure all money is handled securely

• Finalize the mortgage and loan terms

• Put both parties in full compliance with state and local law

Depending on the state, a closing may include:

• Buyer & seller

• Real estate attorneys

• Closing/title company

• Real estate agents

• Lender or loan officer

1. A Valid, Government-Issued Photo ID

Examples:

• Driver’s license

• Passport

• State ID

• Military ID

Lenders require this to verify your identity before funding the loan.

2. Certified Funds

Depending on your title company or attorney’s rules, you may need:

• Bank check / cashier’s check
  or

• Proof of wire transfer

This covers your down payment and closing costs.

Stay Safe: Always Confirm Wiring Instructions
Real estate transactions are a major target for hackers. If you receive wiring instructions by email, even if it looks legitimate, stop and verify. Call us using the number on our website—not the number in the email. Once a wire is sent, it cannot be reversed.