What to Expect on Closing Day

You've found the home, your loan is approved, and closing day is finally here. If you're not sure what to expect, don't worry — here's a step-by-step look at how the day typically goes.

Before You Arrive

A few days before closing, you'll receive a Closing Disclosure (CD) that outlines your final loan terms, monthly payment, and closing costs. Review it carefully and compare it to your original Loan Estimate. If anything looks off, reach out to us immediately — we want to make sure everything is accurate before you sit down at the table.

What to Bring

You'll need a valid government-issued photo ID (driver's license or passport) and a cashier's check or wire transfer for your closing costs and down payment. Your closing agent will provide the exact amount in advance. We'll also send you a checklist so nothing is missed.

The Signing

Closing typically takes 45 minutes to an hour. You'll sign a stack of documents including the promissory note (your promise to repay the loan), the deed of trust (which secures the loan against the property), and various disclosures. The closing agent will walk you through each document and answer any questions.

Funding and Keys

After signing, the lender funds the loan and the title company records the deed. In Texas, there is typically a short funding period after signing before you receive the keys. Your real estate agent will coordinate the key handoff once everything is recorded.

After Closing

Keep all your closing documents in a safe place. You'll receive a final statement from the title company and your first mortgage payment will typically be due about 30-60 days after closing. We'll follow up to make sure everything is set and answer any post-closing questions.

Have questions about the closing process? Contact us or call 512.657.1333 — we're happy to walk you through it.