What Happens on Closing Day?

Who's at the Closing Table

In a typical Central Indiana closing, you'll meet with a closing agent from the title company who guides both sides through the documents. The buyer, seller, and their real estate agents may attend — sometimes together, sometimes separately. Lenders usually don't attend in person, but their loan documents are part of the package.

Buyers and sellers don't always sit in the same room; it's common for each party to sign at different times or locations, especially when schedules or distance make it easier.

What You'll Sign and Pay

Buyers sign the loan documents, the closing disclosure, and paperwork accepting the deed. Sellers sign the deed transferring ownership and documents confirming payoff of any existing mortgage. You'll also settle the money: buyers bring their down payment and closing costs, usually by wire or cashier's check, and sellers receive their proceeds.

Your earnest money deposit is credited toward what you owe, and prorated items like property taxes are squared up between buyer and seller.

How Indiana Closings Work

Indiana is a "title company" state, which means a licensed title company — not an attorney — usually conducts the closing. The title company also handles the escrow of funds, issues title insurance, and records the deed with the county after signing.

Recording is what makes the transfer official in the public record. In most cases it happens the same day or the next business day, and that's typically when keys change hands.

Before and After You Sign

Before closing day, you'll do your final walk-through to confirm the home's condition. On the day itself, bring a valid photo ID and be ready to sign a lot of pages.

Afterward, keep your closing documents somewhere safe — you'll want them for taxes and future reference. Questions about your closing? Get in touch.