{"id":12196,"date":"2022-01-31T15:00:09","date_gmt":"2022-01-31T23:00:09","guid":{"rendered":"https:\/\/www.movoto.com\/blog\/?p=12196"},"modified":"2022-04-19T22:41:50","modified_gmt":"2022-04-20T05:41:50","slug":"complete-home-closing-guide","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/","title":{"rendered":"A complete guide to closing on your first home"},"content":{"rendered":"<h4><span style=\"font-weight: 400\">Get excited! It\u2019s time to close on your home. Here\u2019s a complete guide to what to expect at your home closing.&nbsp;<\/span><\/h4>\n<p><span style=\"font-weight: 400\">You\u2019ve worked with a <\/span><a href=\"https:\/\/www.movoto.com\/agents\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">real estate agent<\/span><\/a><span style=\"font-weight: 400\">, toured an endless number of properties, got an <\/span><a href=\"https:\/\/www.movoto.com\/blog\/how-to-make-a-smart-offer-on-a-home\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">offer accepted<\/span><\/a><span style=\"font-weight: 400\">, navigated the <\/span><a href=\"https:\/\/www.movoto.com\/blog\/first-time-homebuyer-mortgage-preapproval-tips\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">mortgage process<\/span><\/a><span style=\"font-weight: 400\">, and now you&#8217;re in the final stretch. There\u2019s just one step left: <\/span><a href=\"https:\/\/www.movoto.com\/blog\/how-long-to-close-on-house\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">closing<\/span><\/a><span style=\"font-weight: 400\">.<\/span><br \/>\n<span style=\"font-weight: 400\">So what is closing, exactly, and what does it consist of? Here\u2019s a simple guide to everything you need to know about closing on your first home.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Understanding the basics of home closing<\/span><\/h3>\n<p><span style=\"font-weight: 400\">A home closing\u2014also known as the settlement\u2014refers to the date when a property\u2019s title and deed are transferred to the buyer, officially making them the new owner. It\u2019s also an opportunity to review all the closing documents, make sure the <\/span><a href=\"https:\/\/www.movoto.com\/blog\/do-property-liens-affect-home-sale\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">title is clean<\/span><\/a><span style=\"font-weight: 400\">, and release any funds that have been held in escrow to the parties that are owed money. It\u2019s the final reassurance for everyone involved in the purchase that the transaction is secure.<\/span><br \/>\n<span style=\"font-weight: 400\">The closing process typically involves a number of different parties:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>You:<\/b><span style=\"font-weight: 400\"> The buyer.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>The bank:<\/b><span style=\"font-weight: 400\"> Your mortgage lender.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Closing agent: <\/b><span style=\"font-weight: 400\">This person might work for the lender or the title company.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Real estate attorney:<\/b><span style=\"font-weight: 400\"> They can represent you or the seller, or both sides may have attorneys.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Title company representative:<\/b><span style=\"font-weight: 400\"> The title company insures the title status during closing.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">These people are involved in the sale but not typically present at the closing:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Seller\u2019s agent:<\/b><span style=\"font-weight: 400\"> The individual who arranges the transaction between buyer and seller.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>The seller:<\/b><span style=\"font-weight: 400\"> The current homeowner.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">There are three basic steps to the closing process: signing <\/span><a href=\"https:\/\/www.movoto.com\/blog\/6-documents-you-need-for-a-mortgage-loan\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">mortgage documents<\/span><\/a><span style=\"font-weight: 400\">, completing paperwork to transfer the estate, and transferring payment.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">1. Signing mortgage documents at your home closing<\/span><\/h3>\n<p><a href=\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/blog-home-closing-guide3\/\" rel=\"attachment wp-att-51287\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-51287\" src=\"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2013\/04\/blog-home-closing-guide3.jpg\" alt=\"Home Closing Guide\" width=\"1200\" height=\"600\"><\/a><br \/>\n<span style=\"font-weight: 400\">During the first step, you will complete and sign all documents pertaining to the loan you\u2019re taking out to buy the home. You will be required to sign all mortgage documents provided by the lender, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Note:<\/b><span style=\"font-weight: 400\"> This is essentially your loan contract, and usually includes a promissory note. It outlines the terms of the loan, any prepayment penalties, and confirms your guarantee to pay it back. It also allows the bank to foreclose on the property should you default on the loan.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Name affidavit:<\/b><span style=\"font-weight: 400\"> This certifies that you are who you say you are.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Truth-in-Lending statement:<\/b><span style=\"font-weight: 400\"> This document discloses specifics on the interest rate, annual percentage rate (APR), amount financed, and total loan cost over its life.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Monthly payment letter: <\/b><span style=\"font-weight: 400\">This breaks down your monthly mortgage payment, so be on the lookout for any surprise additions or confusing costs.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Recently, many title companies and lenders have shifted to electronic documents, so you can sign most of these documents before your actual closing. If e-docs aren\u2019t available, be prepared to read and review anywhere from seven to 20 documents in person.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">2. Completing paperwork for property transfer<\/span><\/h3>\n<p><span style=\"font-weight: 400\">The second phase of closing allows you, the seller, and the title company representative to review all of the relevant paperwork prior to signing. You will all exchange, verify, and endorse:<\/span><\/p>\n<ul>\n<li><b>Insurance certificate: <\/b><span style=\"font-weight: 400\">Your lender will want proof that you\u2019ve insured the home.<\/span><\/li>\n<li><b>Bill of sale: <\/b><span style=\"font-weight: 400\">This document lists all of the personal items that are included in the sale, such as appliances and any furniture.<\/span><\/li>\n<li><b>HUD Form 1 or disclosure\/settlement statement:<\/b><span style=\"font-weight: 400\"> This paper covers the actual settlement costs and amounts, and should be explained by the closing broker or agent.<\/span><\/li>\n<li><b>Deed:<\/b><span style=\"font-weight: 400\"> This piece of paper is your proof that ownership of the home has been transferred to your name. It should include the names of the buyer and seller, property description, and usually guarantees that the seller has the right to sell the property.<\/span><\/li>\n<li><b>Proration agreements:<\/b><span style=\"font-weight: 400\"> These documents detail how you and the seller are dividing up the costs of the home for the month in which it is bought (e.g.. the seller may have already paid property taxes, so the buyer would need to reimburse the seller for a portion of it).<\/span><\/li>\n<li><b>Acknowledgement of reports: <\/b><span style=\"font-weight: 400\">This declares that the buyer has seen all reports pertaining to the property, such as surveys and inspections.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Many of these documents must be notarized and some have very particular specifications, so be sure to check with your real estate agent.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">3. Transferring payment at your home closing<\/span><\/h3>\n<p><a href=\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/blog-home-closing-guide\/\" rel=\"attachment wp-att-51285\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-51285\" src=\"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2013\/04\/blog-home-closing-guide.jpg\" alt=\"\" width=\"1200\" height=\"600\"><\/a><br \/>\n<span style=\"font-weight: 400\">The final step of closing involves transferring various payments to participating parties, namely, the costs you\u2019ll be paying for the process and transaction. Here are some of the costs you\u2019ll need to be aware of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Closing costs:<\/b><span style=\"font-weight: 400\"> You will be expected to help cover these fees, which can include appraisal fees, title insurance costs, inspection fees, attorney fees, and application costs. Learn more about <\/span><a href=\"https:\/\/www.movoto.com\/blog\/closing-costs-what-are-they-and-who-pays\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">closing costs<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Property payment:<\/b><span style=\"font-weight: 400\"> At your closing, you\u2019ll hand over the down payment minus the <\/span><a href=\"https:\/\/www.movoto.com\/blog\/4-ways-to-understand-your-mortgage-payment\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">earnest money deposit<\/span><\/a><span style=\"font-weight: 400\"> you paid when your offer was accepted. Your agent will let you know what forms of payment are accepted, usually a money order or wire transfer.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Escrow:<\/b><span style=\"font-weight: 400\"> Payment of the buyer\u2019s annual taxes, insurance, and other costs may be covered by the lender, and a reserve account will be established.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Thanks to electronic payments and documents, your actual closing should go very smoothly. Just be sure you communicate with your agent beforehand and arrive with everything you need. Now, all that\u2019s left is to receive your keys and move in!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get excited! It\u2019s time to close on your home. Here\u2019s a complete guide to what to expect at your home closing.&nbsp; You\u2019ve worked with a real estate agent, toured an endless number of properties, got an offer accepted, navigated the mortgage process, and now you&#8217;re in the final stretch. There\u2019s just one step left: closing. So what is closing, exactly, and what does it consist of? Here\u2019s a simple guide to everything you need to know about closing on your first home. Understanding the basics of home closing A home closing\u2014also known as the settlement\u2014refers to the date when a [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":51286,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[167,223,48],"tags":[80,49,161,95,165,105],"class_list":["post-12196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-basics","category-buying","category-real-estate","tag-buyer-tips","tag-buying-a-home","tag-closing","tag-closing-costs","tag-first-time-homebuyer","tag-home-buying-tips","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A complete guide to closing on your first home<\/title>\n<meta name=\"description\" content=\"So what is closing, exactly, and what does it consist of? Movoto Real Estate is here to familiarize you with the process.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A complete guide to closing on your first home\" \/>\n<meta property=\"og:description\" content=\"So what is closing, exactly, and what does it consist of? Movoto Real Estate is here to familiarize you with the process.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"Movoto Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MovotoRealEstate\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-31T23:00:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-20T05:41:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2013\/04\/blog-home-closing-guide2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elizabeth Yun\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@movoto\" \/>\n<meta name=\"twitter:site\" content=\"@movoto\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Yun\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/\"},\"author\":{\"name\":\"Elizabeth Yun\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/fe817fcb42885b29d2a31615dd097fbb\"},\"headline\":\"A complete guide to closing on your first home\",\"datePublished\":\"2022-01-31T23:00:09+00:00\",\"dateModified\":\"2022-04-20T05:41:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/\"},\"wordCount\":903,\"publisher\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2013\/04\/blog-home-closing-guide2.jpg\",\"keywords\":[\"Buyer Tips\",\"Buying a Home\",\"Closing\",\"Closing Costs\",\"First-Time Homebuyer\",\"Home Buying Tips\"],\"articleSection\":[\"Basics\",\"Buying\",\"Real Estate\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/\",\"url\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/\",\"name\":\"A complete guide to closing on your first home\",\"isPartOf\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/complete-home-closing-guide\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2013\/04\/blog-home-closing-guide2.jpg\",\"datePublished\":\"2022-01-31T23:00:09+00:00\",\"dateModified\":\"2022-04-20T05:41:50+00:00\",\"description\":\"So what is closing, exactly, and what does it consist of? 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