What Documents Do You Sign on Closing Day?
What Documents Do You Sign on Closing Day?
What Documents Do You Sign on Closing Day?
Jan 7, 2026
Jan 7, 2026
Education
Education
3 Min Read
3 Min Read
What Documents Do You Sign on Closing Day?
Closing day is exciting, but it can also feel overwhelming when you’re presented with a stack of documents to review and sign. Knowing what those documents are ahead of time can help buyers and sellers feel prepared and confident during the final step of the transaction.
Documents Buyers Commonly Sign
For buyers, many of the documents focus on financing and ownership. This often includes loan paperwork outlining the final loan terms, interest rate, and monthly payment, as well as documents confirming the transfer of ownership. Buyers may also review disclosures that summarize closing costs and explain how funds are being distributed.
Closing Disclosure (CD) – A final breakdown of loan terms, monthly payments, and closing costs. Buyers usually receive this at least three days before closing.
Promissory Note – The legal promise to repay the loan, including the interest rate and repayment terms.
Mortgage or Deed of Trust – The document that secures the loan against the property.
Deed – Transfers ownership of the property to the buyer.
Loan Application (Final Version) – Confirms all borrower information is accurate at closing.
Escrow and Impound Documents – Explain how property taxes and insurance are collected and paid.
Affidavits and Disclosures – Various documents confirming identity, occupancy intentions, and legal compliance.
Documents Sellers Commonly Sign
Sellers typically sign documents related to transferring ownership of the property and confirming the sale terms. These may include the deed, affidavits, and settlement statements showing how proceeds from the sale are allocated. While sellers generally have fewer documents than buyers, accuracy is just as important.
Deed – Transfers ownership of the property to the buyer.
Settlement Statement – Shows how sale proceeds are distributed, including payoffs and fees.
Seller Affidavits – Confirm legal details such as liens, residency status, and authority to sell.
Bill of Sale – Transfers ownership of personal property included in the sale, if applicable.
Guidance Throughout the Process
Throughout this process, real estate agents help ensure buyers and sellers understand what they are signing and why it matters. Agents guide clients through the transaction from offer to closing, helping everything stay on track. To learn more about how buyers and sellers are supported throughout the real estate process, visit lokationre.com.
While the paperwork may seem extensive, each document plays a specific role in protecting all parties and ensuring the transaction is completed properly. Being informed ahead of time helps closing day feel like a smooth conclusion rather than a stressful surprise.
What Documents Do You Sign on Closing Day?
Closing day is exciting, but it can also feel overwhelming when you’re presented with a stack of documents to review and sign. Knowing what those documents are ahead of time can help buyers and sellers feel prepared and confident during the final step of the transaction.
Documents Buyers Commonly Sign
For buyers, many of the documents focus on financing and ownership. This often includes loan paperwork outlining the final loan terms, interest rate, and monthly payment, as well as documents confirming the transfer of ownership. Buyers may also review disclosures that summarize closing costs and explain how funds are being distributed.
Closing Disclosure (CD) – A final breakdown of loan terms, monthly payments, and closing costs. Buyers usually receive this at least three days before closing.
Promissory Note – The legal promise to repay the loan, including the interest rate and repayment terms.
Mortgage or Deed of Trust – The document that secures the loan against the property.
Deed – Transfers ownership of the property to the buyer.
Loan Application (Final Version) – Confirms all borrower information is accurate at closing.
Escrow and Impound Documents – Explain how property taxes and insurance are collected and paid.
Affidavits and Disclosures – Various documents confirming identity, occupancy intentions, and legal compliance.
Documents Sellers Commonly Sign
Sellers typically sign documents related to transferring ownership of the property and confirming the sale terms. These may include the deed, affidavits, and settlement statements showing how proceeds from the sale are allocated. While sellers generally have fewer documents than buyers, accuracy is just as important.
Deed – Transfers ownership of the property to the buyer.
Settlement Statement – Shows how sale proceeds are distributed, including payoffs and fees.
Seller Affidavits – Confirm legal details such as liens, residency status, and authority to sell.
Bill of Sale – Transfers ownership of personal property included in the sale, if applicable.
Guidance Throughout the Process
Throughout this process, real estate agents help ensure buyers and sellers understand what they are signing and why it matters. Agents guide clients through the transaction from offer to closing, helping everything stay on track. To learn more about how buyers and sellers are supported throughout the real estate process, visit lokationre.com.
While the paperwork may seem extensive, each document plays a specific role in protecting all parties and ensuring the transaction is completed properly. Being informed ahead of time helps closing day feel like a smooth conclusion rather than a stressful surprise.
What Documents Do You Sign on Closing Day?
Closing day is exciting, but it can also feel overwhelming when you’re presented with a stack of documents to review and sign. Knowing what those documents are ahead of time can help buyers and sellers feel prepared and confident during the final step of the transaction.
Documents Buyers Commonly Sign
For buyers, many of the documents focus on financing and ownership. This often includes loan paperwork outlining the final loan terms, interest rate, and monthly payment, as well as documents confirming the transfer of ownership. Buyers may also review disclosures that summarize closing costs and explain how funds are being distributed.
Closing Disclosure (CD) – A final breakdown of loan terms, monthly payments, and closing costs. Buyers usually receive this at least three days before closing.
Promissory Note – The legal promise to repay the loan, including the interest rate and repayment terms.
Mortgage or Deed of Trust – The document that secures the loan against the property.
Deed – Transfers ownership of the property to the buyer.
Loan Application (Final Version) – Confirms all borrower information is accurate at closing.
Escrow and Impound Documents – Explain how property taxes and insurance are collected and paid.
Affidavits and Disclosures – Various documents confirming identity, occupancy intentions, and legal compliance.
Documents Sellers Commonly Sign
Sellers typically sign documents related to transferring ownership of the property and confirming the sale terms. These may include the deed, affidavits, and settlement statements showing how proceeds from the sale are allocated. While sellers generally have fewer documents than buyers, accuracy is just as important.
Deed – Transfers ownership of the property to the buyer.
Settlement Statement – Shows how sale proceeds are distributed, including payoffs and fees.
Seller Affidavits – Confirm legal details such as liens, residency status, and authority to sell.
Bill of Sale – Transfers ownership of personal property included in the sale, if applicable.
Guidance Throughout the Process
Throughout this process, real estate agents help ensure buyers and sellers understand what they are signing and why it matters. Agents guide clients through the transaction from offer to closing, helping everything stay on track. To learn more about how buyers and sellers are supported throughout the real estate process, visit lokationre.com.
While the paperwork may seem extensive, each document plays a specific role in protecting all parties and ensuring the transaction is completed properly. Being informed ahead of time helps closing day feel like a smooth conclusion rather than a stressful surprise.
