What Documents Will I Sign at the Closing of a Real Estate Sale?

Closing day is the final step in buying or selling a home, but for many, it can feel like a paperwork marathon. Whether you’re in Clermont, Windermere, Winter Garden, Minneola, or West Orlando, knowing what documents you’ll sign and their purpose can ease stress and help you feel confident.

Key Documents Buyers Will Sign

1. Closing Disclosure (CD) – This outlines your loan terms, monthly payments, and closing costs. Review carefully; it’s designed to ensure there are no surprises.

2. Promissory Note – Your formal promise to repay the mortgage according to the agreed-upon terms.

3. Mortgage/Deed of Trust – Secures the lender’s interest in the property until the loan is paid off.

4. Title Insurance Policies – Protects both buyer and lender against future claims on the property title.

5. Property Deed – Transfers ownership from seller to buyer; it’s recorded with the county to make it official.

6. Bill of Sale / Fixtures List – Specifies what items (appliances, light fixtures, etc.) are included in the sale.

Key Documents Sellers Will Sign

1. Settlement Statement / Closing Disclosure – Shows proceeds from the sale after paying off mortgage, taxes, and fees.

2. Deed – Transfers legal ownership to the buyer.

3. Affidavits / Declarations – Certify information such as occupancy, authority to sell, and absence of liens.

4. Release of Mortgage – If there’s an existing mortgage, the lender signs this to show it has been satisfied.

Tips for a Smooth Closing

• Review in advance: Your agent can provide documents before closing so you can ask questions.

• Bring identification: Typically, a government-issued ID is required.

• Check numbers carefully: Ensure closing costs, credits, and loan details match your expectations.

• Ask questions: Don’t hesitate to ask your agent, lender, or title company if anything is unclear.

Central Florida Considerations

In Central Florida, counties like Orange, Lake, and Osceola may have slightly different recording requirements. Working with a local agent ensures all documentation is accurate and submitted on time.

Bottom Line

Closing involves multiple documents designed to protect buyers, sellers, and lenders. Understanding what you’ll sign ahead of time reduces stress and helps ensure the transaction goes smoothly.

Closing soon in Clermont, Winter Garden, or Windermere? I’ll walk you through every document, explain the purpose of each, and make sure your final signing goes smoothly and confidently.