Closing day is the moment it all becomes real — you sign, you pay, and you get the keys. It's exciting, and if you know what's coming, it's smooth and low-stress. Here's exactly what happens when you close on a home in Central Indiana, and how to be ready. This is Step 4 of the home buying process.
The Final Walkthrough
Usually within 24 hours of closing, you and your agent do a final walkthrough. You're confirming the home is in the agreed condition, agreed-upon repairs were made, and nothing new has gone wrong since the inspection. It's not another inspection — it's a last check that you're getting what you're paying for.
Review Your Closing Disclosure
At least three business days before closing, your lender sends the Closing Disclosure — the final, itemized breakdown of your loan terms and cash to close. Compare it to your earlier estimate and ask about anything that changed. Reviewing it ahead of time means no surprises at the table. See our buyer closing costs guide for what's typically included.
At the Closing Table
Closing happens at the title company (or via a mobile signing). Bring a government-issued photo ID and your funds to close via wire or cashier's check (never a personal check for the big number). You'll sign the loan documents and the deed paperwork; the title company records the sale and disburses funds.
Wire-fraud warning: always confirm wiring instructions by calling the title company at a known number before sending money — scammers spoof closing emails. When in doubt, call us.
You Get the Keys
Once everything is signed and the sale records, the home is yours — and you get the keys. In Indiana, possession is usually at closing unless your contract says otherwise. Congratulations: you're a homeowner. Next up: settling in (see our new homeowner checklist).
Frequently Asked Questions
What do I need to bring to closing?
A government-issued photo ID and your funds to close (by wire or cashier's check). Your agent and the title company will confirm the exact amount in advance via your Closing Disclosure. It's smart to bring your checkbook for any small last-minute items.
How much are closing costs for a buyer in Indiana?
Buyer closing costs commonly run about 2–5% of the loan amount — lender fees, title, escrow, and prepaids like taxes and insurance. Your Closing Disclosure shows the exact total, and sometimes the seller contributes. See our closing costs guide for details.
Can I close remotely or do a mobile signing?
Often, yes. Many closings can be handled with a mobile notary or remote online notarization, which is especially helpful for relocating buyers. Ask the title company what's available for your transaction.
When do I actually get the keys?
In most Indiana transactions, possession — and the keys — transfer at closing once the sale records and funds disburse. If the contract calls for a rent-back or delayed possession, that's spelled out in advance.
Closing Soon? We'll Get You to the Finish Line
From the final walkthrough to the keys in your hand, we make sure closing day goes smoothly. Have questions? We're one call away.