Closing day is mostly paperwork and patience. Knowing the sequence — signing, funding, recording — keeps the day calm and helps you spot anything that needs attention before the keys change hands.
The closing-day sequence
- Sign loan documents and escrow paperwork (often a day or more before close).
- Wire your remaining cash to close to escrow.
- Lender reviews signed docs and funds the loan.
- Escrow/title records the deed at the county recorder.
- Recording confirms; the transaction closes and keys are released per contract.
What to bring and prepare
- A valid government photo ID.
- Confirmation of your wire (verify instructions by phone with escrow).
- Any documents your escrow officer requested.
- Your questions about anything on the Closing Disclosure.
Protect yourself from wire fraud
Wire fraud is a real risk at closing. Always confirm wire instructions by calling a known escrow phone number — never trust instructions sent only by email, and never act on last-minute changes without verbal verification. Where a number varies, confirm current figures for your transaction.
This is general information, not legal, tax, or financial advice — consult a licensed professional for your situation.
When you actually get the keys
Possession timing is set by your contract — often at recording or on an agreed date. If the seller has a rent-back, possession may be later.
If there's a delay
Funding or recording can occasionally slip a day due to timing, document issues, or county cutoffs. Stay in touch with your agent and escrow officer.
Staying coordinated through close
Stay in touch with your agent and escrow officer on closing day, verify wire instructions by phone, and confirm possession timing so the handoff goes smoothly.
Frequently Asked Questions
What happens on closing day?
You sign documents, fund your remaining cash, the lender funds the loan, and the deed records at the county.
What do I need to bring?
A valid photo ID and any documents escrow requested; your funds are typically wired in advance.
When do I get the keys?
Possession is set by your contract — often at recording or on an agreed date, later if there's a rent-back.
How do I avoid wire fraud?
Verify wire instructions by calling a known escrow number; never rely solely on emailed instructions or last-minute changes.
Can closing be delayed?
Yes — funding or recording can occasionally slip due to timing or document issues; stay in contact with escrow.
Do I sign at the title company?
Often yes, or with a notary; signing frequently happens a day or more before the actual close.
