What to Expect at Your Florida Closing Appointment
What to Expect at Your Florida Closing Appointment
You made the offer, survived the inspection, and cleared financing. Now it’s time for the finish line: closing day.
Here’s what buyers in Florida can expect at their real estate closing.
What Is the Closing?
The closing appointment is when:
- Ownership of the home officially transfers to you
- Funds are disbursed
- All final documents are signed
This is when you receive the keys and become the legal owner.
Who Attends the Closing?
In Florida, closing is often handled by a title company (not an attorney), though some use real estate attorneys.
Attendees may include:
- Buyer(s)
- Seller(s)
- Title agent or closing officer
- Real estate agents (optional)
- Lender rep (sometimes remote)
Many Florida closings are now hybrid or remote, with e-signatures and mobile notaries.
What You’ll Sign
Be prepared to review and sign:
- Closing Disclosure (your cost breakdown)
- Promissory Note (if using a loan)
- Deed of Trust or Mortgage
- Title documents and affidavits
- IRS forms and identity verification
Bring a government-issued ID and be ready to wire funds or bring a cashier’s check for closing costs.
What Are Closing Costs?
Typical Florida closing costs include:
- Lender fees
- Title search and insurance
- Appraisal and inspection costs
- Prepaid taxes and insurance
- Recording fees and document prep
Buyers usually pay 2–5% of the purchase price, depending on loan type and county.
When Do You Get the Keys?
In most Florida deals, you get the keys at the closing table, unless otherwise agreed.
If funds are delayed or closing is late in the day, keys may be released once funds are fully disbursed.
Final Thought
Your Florida closing is the last—but critical—step before homeownership.
📞 Call Michael Renick at 941.400.8735 to review your closing packet and feel confident walking into the final step of your purchase.
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