{"id":102345,"date":"2025-06-24T09:44:00","date_gmt":"2025-06-24T16:44:00","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=102345"},"modified":"2026-05-22T11:44:26","modified_gmt":"2026-05-22T18:44:26","slug":"closing-documents","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/closing-documents\/","title":{"rendered":"Closing Documents: The Ultimate Guide to What You\u2019ll Need at Closing"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Closing on a home? Be prepared to review and sign a stack of important legal documents.\u00a0 These closing documents finalize the real estate transaction, and they can be overwhelming, even if you\u2019re a seasoned homebuyer. And if you\u2019ve been <\/span><a href=\"https:\/\/www.rent.com\/near-me\/houses\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">renting a house<\/span><\/a><span style=\"font-weight: 400;\"> or living in an <\/span><a href=\"https:\/\/www.apartmentguide.com\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">apartment<\/span><\/a><span style=\"font-weight: 400;\"> and now <\/span><a href=\"https:\/\/www.redfin.com\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">buying a home<\/span><\/a><span style=\"font-weight: 400;\"> for the first time, the process might feel completely unfamiliar&#8230;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Redfin article, we\u2019ll explain each of the key closing documents and their importance to your purchase so you can grab your keys and get home quickly.\u00a0<\/span><\/p>\n<p><b>In this article:\u00a0<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"#what-are-closing-documents\">What are closing documents?<\/a>\n<ul>\n<li aria-level=\"1\"><a href=\"#closing-disclosure\">Closing disclosure<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#homeowners-insurance\">Homeowners insurance<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#loan-application\">Loan application<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#promissory-note\">Promissory note<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#mortgage-or-deed-of-trust\">Mortgage or deed of trust<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#affidavit-of-title\">Affidavit of title<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#title-insurance\">Title insurance<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#initial-escrow-statement\">Initial escrow statement<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#transfer-tax-declaration\">Transfer tax declaration<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#certificate-of-occupancy\">Certificate of occupancy<\/a><\/li>\n<li aria-level=\"1\"><a href=\"#deed\">Deed<\/a><\/li>\n<\/ul>\n<\/li>\n<li aria-level=\"1\"><a href=\"#faq\">FAQ<\/a><\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-102348 size-blog-post\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-945x630.jpg\" alt=\"A young couple signs closing documents for their house with a real estate agent showing them where to sign.\" width=\"945\" height=\"630\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257-450x300.jpg 450w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/closing-documents_shutterstock_1529775257.jpg 1200w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/p>\n<h2>What are closing documents?<\/h2>\n<p><span style=\"font-weight: 400;\">Closing documents are the set of legal forms that you and the seller sign during the <\/span><a href=\"https:\/\/www.redfin.com\/blog\/steps-to-closing-on-a-house\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">closing process<\/span><\/a><span style=\"font-weight: 400;\">. These documents outline final costs for the buyer and verify the sale for the seller.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It might feel like a mountain of paperwork on closing day, but each form plays a key role in confirming your loan terms and what you\u2019ll actually pay at the end. The exact forms you sign may vary depending on your state\u2019s property laws. Your <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\"> or attorney can let you know if your state requires anything additional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding these documents ahead of time can make closing day feel more manageable and help you confidently finalize your home purchase.<\/span><\/p>\n<h3 id=\"closing-disclosure\"><span style=\"font-weight: 400;\">Closing disclosure\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A Closing Disclosure shows all the financial details of your mortgage and total <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-are-closing-costs\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">closing costs<\/span><\/a><span style=\"font-weight: 400;\">. Your lender must provide this at least three business days before closing so you have time to review it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A careful review is essential to understanding the loan terms, projected monthly payments, and closing fees. Ask your real estate agent for help with any questions you encounter during your review.\u00a0<\/span><\/p>\n<h3 id=\"homeowners-insurance\"><span style=\"font-weight: 400;\">Proof of homeowners insurance\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While it\u2019s up to you to decide <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-much-homeowners-insurance-do-you-need\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">how much homeowners insurance you need<\/span><\/a><span style=\"font-weight: 400;\">, your lender will require proof on closing day. This protects their investment and your new home from events like fire, vandalism, and natural disasters. Speak to your insurance company as soon as you know the closing date to ensure coverage starts that day.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To prove coverage to your lender, ask your insurer for a declarations page or full policy. If the policy is new, they may provide a temporary insurance binder until the final documents are ready.<\/span><\/p>\n<h3 id=\"loan-application\"><span style=\"font-weight: 400;\">Loan application\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While this document was likely completed earlier, the loan application is included among your closing documents for a final review and signature. Review it carefully to ensure everything is still accurate. If your financial circumstances have changed in any way, like your job or income, let your lender know right away.<\/span><\/p>\n<h3 id=\"promissory-note\"><span style=\"font-weight: 400;\">Promissory note<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This written agreement between borrower and lender is a legal document stating that you will repay the mortgage. It details the total loan amount, interest rate, payment schedule, and what will happen if you default. By signing it, you are committing to repay the loan according to those terms.\u00a0<\/span><\/p>\n<h3 id=\"mortgage-or-deed-of-trust\"><span style=\"font-weight: 400;\">Mortgage or deed of trust\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Whether you use a mortgage or a deed of trust in your closing documents depends on which state you live in. Both documents function as security in the case that you default on payment. When you sign the mortgage or deed of trust, it legally secures your home as collateral for the loan. Put simply, it gives the lender the right to foreclose or sell the home if you miss payments.<\/span><\/p>\n<h3 id=\"affidavit-of-title\"><span style=\"font-weight: 400;\">Affidavit of title\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This sworn statement from the seller confirms that they own the property, have the right to sell it, and that there are no legal claims like <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-find-liens-on-a-property\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">property liens<\/span><\/a><span style=\"font-weight: 400;\"> against it. It helps protect you and your lender from any future title issues.\u00a0<\/span><\/p>\n<h3 id=\"title-insurance\"><span style=\"font-weight: 400;\">Title insurance<\/span><\/h3>\n<p><a href=\"https:\/\/www.redfin.com\/blog\/how-much-does-title-insurance-cost\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Title insurance<\/span><\/a><span style=\"font-weight: 400;\"> protects you and your lender from title-related problems, such as liens, unpaid taxes, or ownership disputes. All of these issues can result in financial loss, so reviewing these closing documents carefully is essential. Your real estate attorney or title company can help you ensure that everything is accurate.\u00a0<\/span><\/p>\n<h3 id=\"initial-escrow-statement\"><span style=\"font-weight: 400;\">Initial escrow statement\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some costs, like property taxes, homeowners insurance, and tax prepayments, are paid from your <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-escrow\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">escrow account<\/span><\/a><span style=\"font-weight: 400;\">. The initial escrow statement details what your lender expects to pay from it and how much you\u2019ll contribute each month to cover these costs in your first year.\u00a0<\/span><\/p>\n<h3 id=\"transfer-tax-declaration\"><span style=\"font-weight: 400;\">Transfer tax declaration\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In some states, you must sign a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-are-transfer-taxes\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">transfer tax<\/span><\/a><span style=\"font-weight: 400;\"> declaration to document taxes owed from a home sale. Each state has its own rules, so it\u2019s important to understand your local laws and how they affect your closing costs.\u00a0<\/span><\/p>\n<h3 id=\"certificate-of-occupancy\"><span style=\"font-weight: 400;\">Certificate of occupancy<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re buying a brand new home, the certificate of occupancy states that the property is safe and up to local building codes. It typically comes from the builder, but can also be obtained from your local zoning authority. While not usually required for preowned homes, you can still request it to verify any renovations were properly permitted.<\/span><\/p>\n<h3 id=\"deed\"><span style=\"font-weight: 400;\">Deed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The deed is the legal signed document that transfers ownership from the seller to you. Unlike the title, which shows who owns the property, the deed formally records the transfer and is filed with your local government.<\/span><br \/>\n<img decoding=\"async\" class=\"aligncenter wp-image-102350 size-blog-post\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-945x630.jpg\" alt=\"Close up of people's hands signing closing documents on a coffee table.\" width=\"945\" height=\"630\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354-450x300.jpg 450w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/signing-closing-documents_shutterstock_134396354.jpg 1200w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/p>\n<h2 id=\"faq\">Closing documents FAQs<\/h2>\n<h3><span style=\"font-weight: 400;\">How do I get copies of my closing documents?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You should receive copies of all the documents you signed at closing, but you can always reach out to your real estate agent, title company, or county recorder\u2019s office to get more.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are closing documents the same for both buyers and sellers?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, there are different <a href=\"https:\/\/www.redfin.com\/blog\/what-buyers-should-bring-to-closing\/\" data-wpel-link=\"exclude\">closing documents for buyers<\/a> than there are for sellers. Sellers mostly sign and receive documents transferring property rights and ownership whereas buyers sign and receive most of the financial documents like mortgage and insurance. Some documents, like the deed, overlap and are signed by both parties.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I need a real estate agent or attorney to review the closing documents?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While it is not always required, it is recommended to have a professional look over your closing documents to ensure accuracy and understanding. State requirements or complex transactions are especially good reasons to have a professional third party assist you.\u00a0<\/span><\/p>\n<p>If you&#8217;re looking for the right match, <a href=\"https:\/\/www.consumershield.com\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">ConsumerShield<\/a> can connect you directly with an experienced attorney to help you take the first steps.<\/p>\n<h3><span style=\"font-weight: 400;\">How long does it take to sign the closing documents and close on the house?\u00a0<\/span><\/h3>\n<p><a href=\"https:\/\/www.redfin.com\/blog\/how-long-does-it-take-to-close-on-a-house\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">The closing process can take between 30 and 60 days<\/span><\/a><span style=\"font-weight: 400;\"> after the offer is accepted, but signing the documents takes less than a full day. Just be sure to review everything carefully in the days leading up to closing day so you can avoid any errors or roadblocks.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I sign closing documents remotely?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can sign your closing documents online. Some states have specific requirements for remote closing, so make sure to check with your real estate agent or attorney for details on how to navigate the process online.\u00a0<\/span><\/p>\n<div class=\"image-wrapper\"><img decoding=\"async\" class=\"aligncenter wp-image-102349 size-blog-post\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-945x630.jpg\" alt=\"A young couple signs the closing documents for their house with their real estate agent.\" width=\"945\" height=\"630\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403-450x300.jpg 450w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/06\/final-closing-documents_shutterstock_1401388403.jpg 1200w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/div>\n<h2 id=\"wrapping-up-on-closing-documents\">Wrapping up on closing documents<\/h2>\n<p><span style=\"font-weight: 400;\">Understanding these key <a href=\"https:\/\/www.redfin.com\/blog\/closing-documents-for-sellers\/\" data-wpel-link=\"exclude\">closing documents<\/a> will help you feel prepared to summit the mountain of paperwork on closing day. Take your time to review everything carefully before you sign. Once you\u2019ve reached the top, grab your keys and celebrate closing on your new home.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it\u2019s time to close, you\u2019re not finished with the home buying process until all the closing documents are signed. But what does that entail? In this ultimate guide, you\u2019ll find definitions and explanations for all the closing documents you\u2019ll need to get your keys.<\/p>\n","protected":false},"author":828,"featured_media":102352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34529,34617],"coauthors":[36461],"class_list":["post-102345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-faq","tag-home-buying-process"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Ultimate Guide to Closing Documents | Redfin<\/title>\n<meta name=\"description\" content=\"Buying a house involves signing a lot of important closing documents. 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