What Happens at Closing? Step‑by‑Step Guide

Closing day is the finish line. Here’s how to cross it smoothly—and what to expect when you sit down to sign.

The week before

• Final numbers: We’ll send your Closing Disclosure (CD) at least three business days before closing. Review the cash to close and monthly payment. 

• Wire safety: Confirm wiring instructions by phone with the title/closing company using a verified number. Email instructions can be spoofed.  • Insurance: Your homeowner’s policy must be bound; bring proof. 

• Final walk‑through: Verify agreed‑upon repairs and that the property is in expected condition.

Who will be there

Typically: you, a closing/settlement agent or attorney (varies by state), sometimes your agent, and sometimes a notary. The lender may not be in the room, but we’re on call if questions pop up.

What you’ll sign

• Promissory Note: your promise to repay. 

• Deed of Trust/Mortgage: secures the loan with the property. 

• Closing Disclosure and ancillary state/county forms.  • Title documents and affidavits.  If you’re buying with others, you’ll also see vesting documents showing how you take title (e.g., joint tenancy).

Money movement

Your cash to close is typically wired in advance or brought via cashier’s check (per your title company’s rules). After documents record with the county, funds release to the seller and the home is officially yours.

Day‑of checklist

Bring a government ID, confirm wire receipt, and plan 60–90 minutes. Avoid scheduling movers the same morning—recording can occur later in the day depending on county cut‑off times.

How Jaffe Home Loans helps

We coordinate the calendar, preview your documents, and stay available during the appointment. If a question or hiccup arises, you’ll have a pro on the line to resolve it quickly so you can pick up the keys with confidence.