How to prepare for the closing table

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How to prepare for the closing table

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The buyer, seller, their real estate agents and an Edina Realty Title closer (escrow agent) will likely be present at the closing table. The closing process usually takes an hour. 

During the closing process, the buyer and seller will review and sign all the relevant closing papers. After the buyer provides wired funds for the down payment and closing costs, they receive the keys to their new home. The seller leaves with the net proceeds of the sale.

Buyers should bring:

  • A valid photo ID
  • Social security number
  • Wired funds from your bank for the amount specified in the most recent Good Faith estimate you received from your loan officer or lender
  • A checkbook (in case of other charges)
  • New homeowners/hazard insurance binder and paid receipt if not previously provided to your lender (Learn about Edina Realty Insurance.)

Learn more about the closing process in our Buyer FAQs.

Sellers should bring:

  • A valid photo ID
  • Social security number
  • All keys, garage door openers, alarm system combinations
  • Code compliance, if applicable

Learn more about the closing process in our Seller FAQs.

What happens at the closing table?

  • Final lender requirements will be met. 
  • Final Settlement statement will be reviewed and signed. 
  • Closing documents will be reviewed, signed and notarized. 
  • Owner's title insurance may be purchased. 
  • Information on homesteading your property will be provided. 
  • Funds will be collected and disbursed. 
  • Keys, garage door opener(s) and other property information will be exchanged.

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