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The closing process finalizes the sale of your home and makes everything official. Also called the settlement, the closing is when you get paid and the buyer receives the deed to your home.
Here are a few things to bring to the closing:
A State Registered Picture ID
What can you expect?
The closing agent will look over the purchase contract and identify what payments are owed and by whom; prepare documents for the closing; conduct the closing; make sure taxes, title searches, real estate commissions and other closing costs are paid; ensure that the buyer’s title is recorded; and ensure that you receive any monies due to you.
What are your costs?
Sellers commonly pay the following at closing:
Mortgage balance and prepayment penalties (very rarely applicable but please call our company)
Other claims against your property, such as unpaid property taxes or contractor payments
Possible unpaid special assessments on your property
Real estate commission (both buyer and seller agent sides are paid by seller at closing)
After the closing…make sure you keep the following for tax purposes:
Copies of all closing documents (we send you a copy of the closing statement for your accounting)
All home improvement receipts on the home you sold