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5 min read ·Close the Deal

Closing Day

Key Takeaways

✓Do a final walk-through before closing to ensure the home is as expected
✓Bring valid ID and be prepared to sign many documents
✓You'll receive the keys once everything is funded and recorded

Before Closing Day

Schedule your final walk-through 24-48 hours before closing. Verify repairs were made, the home is in expected condition, and nothing has been removed that should stay. Review your Closing Disclosure (you'll receive it 3 days before) and compare it to your Loan Estimate.

What Happens at Closing

You'll meet at a title company, attorney's office, or lender. Bring a valid photo ID and any required funds (certified check or wire transfer—never cash). You'll sign the mortgage note, deed of trust, and many other documents. The title agent or attorney will explain each one.

After You Sign

After signing, the lender funds the loan and the deed is recorded with the county. This can take a few hours to a day. Once recorded, you receive the keys and officially own your home. Celebrate—you've earned it! Then change the locks, set up utilities, and start making it yours.

Celebration illustration with keys to your new home

🏠 Kentucky Closing Process

Kentucky allows closings at title companies without attorneys, which can be faster and less expensive. Closings typically take 45-60 minutes. Recording is done at the county clerk's office. In most cases, you'll get keys the same day once recording is confirmed.

✅ Your Next Step

Confirm your closing date, time, and location with your agent. Arrange to have certified funds ready and bring valid identification.

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