Closing Day Checklist
Final walkthrough, what to bring, and the day-1 moves after the keys hit your hand. 16 steps, the exact order, and the items most buyers miss.
Interactive closing checklist
What to do after the keys
The first 30/60/90 days: locks, shut-offs, paperwork, escrow, reserves. The full first-year plan.
Frequently asked
What should I bring to a house closing?+
Six essentials: (1) government-issued photo ID + a backup, (2) cashier's check or wire confirmation for closing funds, (3) proof of homeowners insurance, (4) your final Closing Disclosure, (5) the inspection report + repair-response agreement, (6) any rebate or credit confirmations. Bringing them yourself avoids 90% of closing-table surprises.
What should I check in the final walkthrough?+
Six things: every agreed repair was completed, every major appliance runs through a cycle, all seller personal items are removed, HVAC works on heat AND cool, utilities are still on, and no new damage has appeared since inspection. Document everything with photos. The walkthrough is the last leverage point before signing.
How long does closing day take?+
The actual signing runs 45–90 minutes in most states. Cash purchases are faster (30–45 min). Loans add 30–60 min for lender document signing. Block 2–3 hours total to account for walkthrough timing, traffic, and final paperwork.
Can I back out at closing?+
Technically yes, but the cost is severe: full earnest-money deposit forfeit, potential lawsuit for specific performance, and lender + title fees still owed. By closing day, all contingencies have expired. If a true emergency surfaces (undisclosed defect, financing collapse), call your attorney before signing.
What happens after I sign at closing?+
Title company records the deed (24 hrs to 30 days depending on county), funds release to seller, lender sets up your loan-servicing account, and keys transfer. Most buyers spend day 1 changing locks ($150–$400), reading meters, and unboxing essentials. The full first-year sequence starts the next morning.