You’ve made it to the finish line. Here’s what closing day actually looks like so there are no surprises.
Before the day: review and walkthrough
A few days out, you’ll get your Closing Disclosure with your exact cash to close — review it carefully. You’ll also do a final walkthrough to confirm the home is in the agreed condition and any required repairs were done.
What to bring
- A valid government photo ID.
- Your funds — for anything beyond a small amount, you’ll wire the money (cashier’s checks for smaller sums, per your title company’s instructions).
- Any documents your lender or title company asked for.
Protect yourself from wire fraud
This is critical: wire fraud is real and targets closings. Scammers send fake “updated” wire instructions by email. Always confirm wire instructions by calling the title company at a number you independently verified — never trust instructions or changes that arrive only by email. When in doubt, call.
What happens at the table
You’ll review and sign a stack of documents — the loan paperwork, the closing statement, and the transfer documents. The title company coordinates everything. If you’re financing, the lender then funds the loan.
When do you actually get the keys?
In Texas, you typically get the keys once the transaction has funded and recorded — which is usually the same day, but sometimes a little after signing depending on timing. Your agent will tell you exactly when it’s official.
Then it’s yours
Once it funds and records, the home is yours. (Don’t forget to file your homestead exemption!)
Want a smooth, well-coordinated closing on your DFW home? Reach out.
General educational information, not legal or financial advice. Closing procedures and timing vary by transaction. Always verify wire instructions independently, and confirm specifics with your title company and lender.