What Happens on Closing Day — And What to Bring

Ready for Closing Day? Here's Your Quick Checklist

📍 Introduction

It’s the day you’ve been waiting for: Closing Day.This is when all the work — the loan approval, inspections, and paperwork — becomes real. You sign the final documents, the lender funds the loan, and you get the keys to your new home.

Here’s a simple guide to what happens on closing day, whether you’re using an FHA, conventional, or other loan.

🗓️ What Happens on Closing Day?

The sequence typically looks like this:

1. Sign Final Documents — Loan agreement, deed, disclosures

2. Wire Final Funds — Down payment + closing costs (if not already wired)

3. Lender Funds Loan — Sends money to escrow

4. Escrow Closes — County records the new deed

5. Get Keys! — You’re officially a homeowner 🎉
   

📄 What You’ll Be Signing

• Promissory Note (your loan terms)

• Deed of Trust (lender's lien on the property)

• Closing Disclosure (final breakdown of costs)

• Any state- or escrow-specific documents

• Tax forms, insurance, and more
  

Expect to sign 30–60 pages — don’t worry, we’ll walk you through them.

👜 What to Bring on Closing Day

✔	Item
🪪 Government-issued ID (driver’s license or passport)
💸 Wire confirmation (if already sent)
📃 Closing Disclosure copy (for comparison)
🖊 Optional: your own pen for signing
📞 Agent or lender’s contact info (just in case)

Important: Some closings require wet signatures with a notary — others may be remote or hybrid digital closings.

🧠 Pro Tips

• Triple-check wiring instructions with escrow (to avoid fraud)

• Review your Closing Disclosure at least 3 days before

• Don’t schedule anything major the same day — closings can take 1–2 hours

• Confirm when you’ll actually get your keys — sometimes it’s later that day or the next business day

  
  

💬 Final Thought

Closing day is the last step before homeownership becomes official. With the right preparation and team, you’ll walk in confident — and walk out a homeowner.

📞 Have questions before closing day? We’ll walk through your Closing Disclosure and help prepare your documents. 👉 Schedule a Pre-Closing Call Or reply with your closing date — we’ll send you a personalized checklist.