Your Closing Day Prep Guide

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 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
Bring your driver's license or passport for identity verification
Certified Funds
Cashier's check for closing costs or wire transfer confirmation
Insurance Proof
Your homeowner's insurance policy documentation is required
Closing Disclosure
Review this document at least 3 days before your appointment
Purchase Contract
Bring a copy of your original purchase agreement
Lender Documents
Any additional paperwork your lender specifically requested
Pro Tip: Review your Closing Disclosure line by line before closing day — not during. Your agent or lender can help verify accuracy on loan fees, taxes, and title charges.
Protecting Yourself From Wire Fraud
Wire fraud is on the rise nationwide, 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
Warning: Always confirm wiring instructions in person or by verified phone call before transferring funds. If something feels off, trust your instincts and call your agent immediately.
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.
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.
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
All agreed-upon repairs from inspection are finished properly
Appliances Working
All appliances are present and functioning as expected
No New Damage
Verify there's no new damage since your last visit or inspection
Systems Operational
HVAC, water heater, plumbing, and electricity all work correctly
Property Empty
Seller's belongings are removed per your agreement
Fixtures Remain
Light fixtures, hardware, and agreed-upon items are in place
Access Ready
Keys, garage remotes, security codes, and manuals are available
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!
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
Often caused by late wire transfers that don't clear in time. Always send your wire at least 24 hours early to prevent last-minute stress and potential closing postponements.
Missing Paperwork
Forgotten IDs or missing documents can halt the entire process. Double-check your prep checklist the night before and keep everything organized in one folder.
Last-Minute Conditions
Your lender may request additional verification or documentation. Ask for final clearance confirmation the day before closing to catch any outstanding requirements early.
Incorrect Amounts
Wire totals or closing costs may differ from estimates. Always confirm exact wire amounts directly with your title agent and review your Closing Disclosure carefully in advance.
Remember: Your real estate agent and closing agent are there to help you navigate any surprises. Don't hesitate to ask questions or request clarification on anything that seems unclear.
Your Closing Day Success Summary
Be Prepared
Bring everything on your checklist — especially ID, proof of insurance, and your Closing Disclosure reviewed in advance
Verify Wiring
Confirm wire instructions directly with the title company by phone using their official number, never by email alone
Walk Through
Complete your final walkthrough within 24 hours of closing to ensure repairs are done and the property is in agreed-upon condition
Stay Calm
This is the easiest step when everything's prepared — trust the process and lean on your real estate professional for guidance
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.
Morgan Tipton
Realtor® | Tulsa, OK
📧 [email protected]
📱 (918) 857-0084
🌐 www.morgantipton.com
📸 Instagram: @morgantipton.realtor