What to Expect at Closing When Buying a Home in Texas Getting close to the finish line?

by Brando Villatoro

Here’s a step-by-step guide on what to expect at closing when buying a home in the Dallas-Fort Worth area. Closing day is the final step in the homebuying journey — and one of the most exciting. But it can also feel overwhelming if you don’t know what to expect.

Here’s a simple breakdown of what happens at closing and how to prepare.

1. Final Loan Approval Before closing, your lender will complete a final review of your financial documents. This is called “clear to close.” Once you receive this, the title company can officially schedule your signing appointment.

2. Final Walkthrough Typically done 1–2 days before closing, the final walkthrough allows you to confirm the condition of the home, verify repairs were completed (if negotiated), and ensure nothing has changed since your offer was accepted.

3. Reviewing the Closing Disclosure You’ll receive a Closing Disclosure at least three business days before closing. It includes your final loan terms, monthly payment, and the full breakdown of costs — including your down payment and closing costs. Review it carefully and ask your agent or lender if anything looks off.

4. Closing Day Documents At the title office or with a mobile notary, you’ll sign: Loan documents Deed of trust Settlement statement Promissory note Bring a valid photo ID and be prepared to wire funds or bring a cashier’s check for your closing costs.

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