Closing on a home doesn't have to be stressful
Whether you’re buying your first home or selling a property you’ve loved for years, we walk you through every step of closing in Central Florida — clearly, honestly, and without the surprises.
Clarifying the Closing Process
Closing looks a little different depending on your situation. Here’s what to expect in each scenario.
For Buyers
Final walkthrough, review of your Closing Disclosure, signing loan documents, paying your down payment and closing costs, and receiving your keys.
For Sellers
Reviewing your settlement statement, paying off any existing mortgage or liens, signing the deed, and collecting your net proceeds at closing.
Cash Transactions
Faster closings, often in 1–2 weeks, with no lender requirements or financing contingencies — though title work and insurance are still required.
Financed Transactions
Appraisal, underwriting, and final loan approval typically bring financed closings to around 30–45 days from contract to closing table.
Lifestyle & Real Estate
The practical details that help you prepare for closing day.
30–45 Days
Typical Closing Timeline
Financed purchases typically close in 30–45 days from contract. Cash transactions can close in as little as 7–14 days, depending on title and inspection timelines.
Who Pays What
- Buyers: typically 2–5% of price (loan fees, title insurance, appraisal, inspections)
- Sellers: typically 6–10% (agent commissions, title fees, Florida doc stamps)
- Negotiable items: home warranty, survey, repairs
What to Bring to Closing
- Valid photo ID
- Cashier’s check or wire confirmation for funds due
- Proof of homeowners insurance (buyers)
- Keys, garage openers, and warranty documents (sellers)
Ready to start your closing journey?
Browse homes on the market or talk to our team about where you are in the buying or selling process.
Coach Gar Real Estate · Serving Orlando & Central Florida · Licensed Florida Real Estate Broker