Your Closing Day Prep Guide
After weeks or months of searching, negotiating, inspecting, and signing, you're finally at the finish line — Closing Day. This is the moment your dream home officially becomes yours.
What Is Closing Day?
Closing is the legal transfer of property ownership from the seller to the buyer. It's the day you'll sign the final documents, pay any remaining costs, and receive the keys to your new home.
The goal is simple: verify all documents are correct, funds are delivered, and ownership officially changes hands. This moment represents the culmination of your entire home buying journey.
Location
Title company or attorney's office
Timing
30-45 days after contract
Duration
45 minutes to 1.5 hours
Your Essential Closing Day Checklist
Preparation is the key to a smooth closing experience. Here's everything you need to have ready before heading to your closing appointment.
Government-Issued Photo ID
Certified Funds
Insurance Proof
Closing Disclosure
Purchase Contract
Lender Documents
Understanding Your Closing Documents
At the closing table, you'll meet with a closing agent or escrow officer who will guide you through each document you need to sign. Understanding these documents in advance helps you feel confident and prepared.
| Document | Purpose |
|---|---|
| Closing Disclosure (CD) | Lists your final loan costs, payments, and cash due at closing |
| Promissory Note | Your legal agreement to repay the loan according to the terms |
| Deed of Trust or Mortgage | Grants the lender a lien on the property until your loan is paid off |
| Title Documents | Confirm ownership transfer and verify the title is clear of issues |
| Property Deed | Officially transfers the home from the seller to you |
| Settlement Statement | Itemizes all costs, credits, and disbursements for both parties |
The closing agent will explain each document and answer your questions along the way. Your real estate agent is typically present as your advocate and guide throughout this process.
Protecting Yourself From Wire Fraud
Wire fraud is on the rise in the real estate industry, and real estate transactions are frequent targets. Scammers can mimic legitimate email chains and impersonate title companies to steal your funds. Don't let criminals ruin your closing day.
Stay Safe With These Steps
Verify Direct Contact
Only follow wiring instructions from your verified title company contact.
Never Trust Email Alone
Don't use emailed or texted instructions from unfamiliar addresses.
Confirm By Phone
Call the title company using the official number on their website.
Wire Early
Complete your wire at least 24 hours before closing to ensure funds clear.
Common Closing Day Surprises
Even with perfect preparation, unexpected issues can arise on closing day. Being aware of these common surprises helps you avoid delays and stay calm when challenges appear.
Funding Delays
Missing Paperwork
Last-Minute Conditions
Incorrect Amounts
Your Final Walkthrough Checklist
Before closing, you'll do a final walkthrough — usually within 24 hours of signing. This ensures the property is in the agreed-upon condition and any requested repairs are complete. This is your last opportunity to identify issues before you own the home.
Bring your original inspection report and your agent for reference. Take your time during this walkthrough and don't feel rushed. If something major is wrong, you have the right to delay closing until it's resolved.
Repairs Completed
Appliances Working
No New Damage
Systems Operational
Property Empty
Fixtures Remain
Access Ready
What Happens After You Sign
Once all documents are signed and funds are received, the title company will record the deed with the county. That filing makes your ownership official and public record. This typically happens within 24 to 48 hours after signing.
Sign Documents
Complete all closing paperwork with the agent.
Funds Transfer
Your closing costs and down payment are processed.
Deed Recording
Title company files your deed with the county.
Keys Delivered
You receive keys and officially own your home!
Your Next Steps as a New Homeowner
Transfer all utilities, prior to closing, to your name including electric, water, gas, and internet service
Change locks and garage door codes for security and peace of mind
Save your closing packet and title insurance policy in a safe, fireproof location
Update your mailing address with USPS, banks, and important contacts
Set up homeowner's insurance automatic payments to avoid any lapses
Celebrate your achievement — you've earned this moment!
Your Closing Day Success Summary
Be Prepared
Verify Wiring
Walk Through
Stay Calm
You've Got This!
With proper preparation and the right guidance, closing day becomes a celebration rather than a source of stress. You're about to achieve something amazing — homeownership in Tulsa.
Ready for Closing Day?
I'll make sure you know exactly what to bring, what to expect, and what happens after the signatures. No surprises — just celebration and confidence as you step into homeownership.
- Let's get you those keys with complete peace of mind
- Whether you're a first-time buyer or simply new to the Tulsa market, I'm here to guide you through every step of the closing process