Closing day is the final step in the homebuying process—the day ownership officially transfers and the keys become yours. It’s an exciting milestone, but it can also feel overwhelming without the right preparation.
At Clarion Title Company, we believe the best closings happen when clients feel informed and confident. Knowing what to expect, what to bring, and how to prepare can help you avoid last-minute surprises and ensure everything runs seamlessly.
Step 1: Review Your Closing Disclosure
A few days before closing, your lender will provide a Closing Disclosure (CD). This document outlines your final loan terms, monthly payment, closing costs, and the total amount due.
Take time to review this document carefully and compare it to your original loan estimate. If anything looks unclear or inconsistent, reach out to your lender or Clarion Title Company for clarification. Our team can help you understand every fee and confirm that all numbers are correct before you arrive at the closing table.
Step 2: Complete Your Final Walkthrough
The final walkthrough gives you one last opportunity to inspect the property before you sign the papers. This step ensures the home is in the agreed-upon condition and that any negotiated repairs have been completed.
If you notice any issues, notify your real estate agent immediately so they can work with the seller or your closing team to resolve them before your appointment.
Step 3: Gather Required Documents and Funds
Arriving prepared ensures a smooth closing. You’ll need:
-
A valid government-issued photo ID (such as a driver’s license or passport)
-
A certified or cashier’s check for your final payment (if not wiring funds)
-
Proof of homeowner’s insurance
-
Any additional documents your lender or title company requests
If wiring funds, always verify wiring instructions by phone directly with Clarion Title Company before sending money. Wire fraud is a growing concern in real estate, and verifying details directly helps protect your funds.
Step 4: Know Who Will Be There
Your closing appointment typically takes place at the title company, an attorney’s office, or through a secure virtual signing platform. Depending on your state and transaction type, attendees may include:
-
The buyer(s) and seller(s)
-
The closing agent or title representative (often from Clarion Title Company)
-
Real estate agents representing each party
-
A lender representative, if applicable
Clarion Title Company ensures that all required parties, documents, and funds are in place before you arrive.
Step 5: Understand What You’re Signing
You’ll sign several important documents at closing, including:
-
The deed, transferring ownership of the property
-
The promissory note and mortgage, if financing the purchase
-
The settlement statement, showing all final financial details
-
Title insurance policies for both buyer and lender
Our team takes the time to explain each document, answer questions, and ensure you understand what you’re signing before moving forward.
Step 6: Plan for Timing and Logistics
Most closings take about an hour, but plan extra time in case questions arise. Avoid scheduling anything immediately afterward to keep the day stress-free.
Once all documents are signed and funds are disbursed, Clarion Title Company records the new deed with the county. At that moment, you officially become the homeowner.
Step 7: Keep Your Documents Safe
After closing, you’ll receive copies of all signed documents. Store them in a secure place—you may need them for taxes, refinancing, or future sales. Clarion Title Company will also provide confirmation once the transaction is recorded and complete.
How Clarion Title Company Simplifies Closing Day
We understand that closing can feel complicated, especially for first-time buyers. Our team’s role is to make the process clear, organized, and stress-free. From confirming figures to explaining documents, we handle every detail with transparency and professionalism so you can focus on what matters—celebrating your new home.
Be Ready for a Smooth Closing Experience
Clarion Title Company is here to guide you every step of the way. Order a title today and let our experienced team ensure your closing day is seamless, secure, and stress-free.