What to Expect on Closing Day as a Homebuyer

Closing day is the culmination of your home buying journey, and understanding what to expect will help ensure a smooth process. Here’s a breakdown of the steps involved in the final stages of your purchase.

Scheduling Your Final Walk-Through

Your final walk-through should occur the day before or the morning of your closing. This is your last opportunity to inspect the home before the sale is complete. The goal is to confirm that all agreed-upon repairs have been made and that the home is in the same condition as when you agreed to buy it.

It’s important to check for any new issues that may have arisen after your initial viewing, ensuring that everything is in order.

The Day Before Closing

The day before closing, it’s a good idea to:

• Confirm the location of your closing appointment
• Plan your route and make sure you allow enough time to get there

What to Bring on Closing Day

On the day of closing, be prepared with the following:

• Identification documents
• Certified funds or proof of wire transfer (to cover your closing costs)
• Proof of homeowners insurance (this is typically required by your lender)
• Copy of your executed contract with the seller
• Additional documents that your lender may require

What Does “Broom-Swept” Condition Mean?

The term “broom-swept” condition means that the seller must leave the home clean and free of personal items, with any debris removed. The property should be in good condition, and generally, the seller is expected to leave it vacuumed or swept clean.

When Can You Move Into Your New Home?

You can move into your new home once the sale is officially “on record.” This means that the transaction has been recorded at the Registry of Deeds, confirming that the property has officially changed ownership. Until then, you’ll need to wait before moving in.

Need Help with the Closing Process?

If you have any questions or concerns leading up to your closing day, feel free to reach out. I’m here to guide you through the process, ensuring that your home buying experience goes smoothly. Call me today to discuss any final details!