Published September 26, 2025

Closing Day 101: What Happens and What to Bring

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Written by Rutledge Property Group

A couple signing house documents with a realtor

Closing day is the exciting finish line in your home buying or selling journey - but it can also feel overwhelming if you’re not sure what to expect. From signing documents to transferring keys, understanding the steps and knowing what to bring can make the day smooth and stress free. Here’s your complete guide to Closing Day!

What Happens on Closing Day

  1. Final Walkthrough
    Before signing any paperwork, buyers usually perform a final walkthrough of the property to ensure it’s in the agreed upon condition. This is your chance to check that repairs were completed, appliances are working, and nothing has been damaged since your last visit.

  2. Signing Documents
    Closing involves signing numerous legal and financial documents including the deed, mortgage agreement, and closing disclosure. This paperwork finalizes the transfer of ownership from the seller to the buyer.

  3. Payment and Fees
    Buyers will bring funds for the down payment and closing costs, often via a cashier’s check or wire transfer. Sellers receive the proceeds from the sale after all obligations are settled.

  4. Title Transfer
    The title company ensures the property title is clear of liens and legally transfers ownership to the buyer. Once recorded, the buyer officially becomes the homeowner.

  5. Receiving Keys
    Once everything is signed and funds are processed, the keys (and often garage remotes or gate codes) are handed over - the moment you’ve been waiting for!

What to Bring to Closing

  • Photo ID – Required for all parties involved.

  • Proof of Homeowners Insurance – Lenders typically require this before closing.

  • Closing Funds – Cashier’s check or proof of wire transfer for down payment and closing costs.

  • Any Outstanding Documents – Any paperwork your agent or lender asked you to bring.

Tips for a Smooth Closing

  • Review your Closing Disclosure in advance.

  • Ask your real estate agent or attorney any last minute questions.

  • Arrive early and stay organized - closing day can take a few hours.

Closing day is an exciting milestone, knowing what happens and what to bring ensures a seamless transition and being prepared will help you enjoy the moment stress free.

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