Closing day is the finish line in a home purchase—it’s when all the documents are signed, money is exchanged, and ownership officially transfers from the seller to the buyer. Here’s what happens step by step: ⸻ 🗓️ What Happens on Closing Day? ✅ 1. Final Document Signing You (and the seller) will sign a stack of legal documents, including: • The closing disclosure (confirms all final costs) • The mortgage agreement and promissory note • The deed (transfers ownership from seller to buyer) • Tax documents and any local/state disclosures You’ll usually sign these with a closing agent, escrow officer, title company rep, or attorney, depending on your state. ⸻ 💰 2. Payment Is Made You’ll bring your down payment and closing costs, typically as a certified check or wire transfer. Your lender will also wire the loan funds to the title company. Everything is double-checked to make sure funds match the contract. ⸻ 🔍 3. Title Is Transferred The title company ensures: • The deed is recorded with the county • The seller is paid • Any existing mortgages, liens, or taxes are paid off • You now legally own the property ⸻ 🏡 4. You Get the Keys! Once the paperwork is complete and funds have cleared: • You’re handed the keys (or given instruct

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ions for pickup) • You can officially move in, unless otherwise agreed (e.g., seller rents back temporarily) ⸻ 📦 Pro Tips for a Smooth Closing Day: • Do a final walkthrough 24 hours before closing to confirm the home is in the agreed condition • Bring your photo ID, any required documents, and confirmation of your wire transfer or check • Ask questions—you’re signing big legal documents, so it’s okay to take your time ⸻ 🔚 Bottom Line: Closing day wraps up all the work, money, and emotions that go into buying a home. After signing the papers and transferring funds, you become the official owner.