Closing Checklist for Sellers

Closing a home sale marks the end of one chapter and the start of another. On closing day you’ll settle the sale by transferring ownership of the house from you to the homebuyer. While selling your house can be an emotional journey, a clear checklist makes the process smoother and helps you approach closing day with confidence.

Here’s everything sellers need to know and do before, during, and after closing day.

Before closing day

Preparation is key to a smooth closing. Here’s what to tackle ahead of time to make closing day as stress-free as possible.

Review the closing statement

At least three days before your scheduled closing, you’ll receive a closing disclosure. This document outlines the final terms, key figures, and costs associated with your sale. Go through it carefully to make sure everything matches your agreement. If anything looks off or confusing, reach out to your real estate agent or attorney right away.

Gather necessary documents

Having all your paperwork ready will save you last-minute stress. Make sure you have:

• The deed, if your home is paid off
• A valid, state-issued photo ID like a driver’s license or passport
• A certified check if required in the amount requested by the escrow officer
• The keys and security codes, if possession of the house is granted at closing
• Your mortgage payoff statement showing the remaining balance

Prepare the property

Your buyer will likely do a final walkthrough before closing. Make sure your home is ready:

• Clean thoroughly
• Complete any agreed-upon inspection-related repairs
• Remove personal belongings unless the contract says otherwise

A presentable home not only shows courtesy but also helps ensure a smooth handoff.

On closing day

The big day is here! On closing day, you’ll want to bring a few things with you and be prepared for how the process will work so everything goes smoothly.

What to bring to closing 

To complete the transaction, you’ll need to have several items on hand, including:

• A valid, government-issued photo ID (such as a driver’s license or passport) 
• All the documents you previously gathered, as well as the purchase agreement and proof of repairs 
• Keys, garage door openers, mailbox keys, and security codes (if possession of the house is granted at closing) 
• Your bank account number or instructions for where funds from the sale should be transferred 
• The deed, if your home is paid off
• A certified check (if required) in the amount requested by the escrow officer

Understand the signing process 

Closing involves signing several legal documents to finalize the sale. Your closing agent, title company, or attorney will guide you through each one.

You may be asked to sign:

• The deed transferring ownership to the buyer
• Affidavits confirming your legal ability to sell the property
• Closing statements outlining the final financial details
• Any unique settlement statements
• Certificate of title
• Loan payoff
• Mechanic’s liens
• Bill of sale
• Statement of information
  

Take your time reviewing each document, and don’t hesitate to ask questions if anything feels unclear.

Final funds transfer 

Once all the paperwork is signed, you’ll hand over the keys. The buyer’s funds will cover your mortgage(s), any other debts secured with the property, and any closing costs, and then any remaining net proceeds from the sale will be deposited directly into your account.

After closing day 

Even after the sale is final, there are a few things to wrap up. Here’s how to tie up loose ends after closing day and get ready for your next chapter.

1. Notify relevant parties 

If you haven’t already, ensure all necessary parties are notified of your mailing address change, including:

• USPS (set up a mail forwarding service). 
• Utility companies (to stop service at the sold property) 
• Your bank and credit card providers
• Subscription and delivery services

2. Document the sale 

Safeguard copies of the closing documents. These will be important for tax purposes and as proof of the transaction in any future situations. Be sure to store these securely, whether digitally or in a physical file. 

3. Reflect on tax implications 

Selling a home may have tax implications, such as capital gains tax. Consult with a tax professional to understand how the sale affects your taxes and ensure you’re prepared when filing. 

4. Plan your next step 

Whether you’re moving into a new home, downsizing, or starting a new adventure, the closing of one home is the start of something new. Use this time to plan for and embrace the opportunities ahead. 

Selling your home is a big milestone, and having the right guidance can make all the difference. Zillow offers partner agents who can help you sell your home and DIY solutions to take you from preparing for closing day to tying up loose ends afterward. Check out Zillow’s various home selling options to find out what works best for you.

This article is provided for informational purposes only. It is not real estate, legal, tax, or financial advice. Speak to a licensed professional for personalized advice specific to your needs.