What Happens at a Florida Real Estate Closing?

When you’re buying or selling a home in Florida, the closing is the final step in the process—but it’s more than just signing paperwork and handing over keys. A Florida real estate closing involves several important tasks, legal confirmations, and financial transfers that officially complete the transaction. Whether you’re a buyer or a seller, it’s important to understand what happens at closing so you can show up prepared and confident.

This guide explains the following:

• The closing is typically scheduled and handled by a title company

• Buyers and sellers both need to review and sign documents

• Final payments, credits, and fees are calculated and disbursed

• The title is transferred and recorded with the county

• The buyer receives the keys and officially takes ownership

Here’s a closer look at each.

The Closing Is Typically Scheduled and Handled by a Title Company

In Florida, real estate closings are usually conducted by a title company. Sometimes an attorney is involved as well, but the title company typically handles the coordination. They prepare closing documents, review the title history of the property, ensure all legal requirements are met, and manage the final distribution of funds.

The closing appointment is scheduled once everything else—inspections, appraisal, loan approval, and final walkthrough—has been completed. Most closings take place at the title company’s office, though remote and mobile closings are increasingly common.

Buyers and Sellers Both Need to Review and Sign Documents

At the closing, both parties will sign the paperwork that finalizes the transaction. If you’re the buyer, this will include:

• The closing disclosure, which breaks down your costs and fees

• The loan documents, if you’re financing the home

• The promissory note and mortgage

• Any state-specific disclosures or affidavits

Sellers will typically sign:

• The deed transferring ownership to the buyer

• The closing statement showing sale proceeds

• Affidavits confirming no liens or outstanding claims on the property

• Any required IRS or Florida-specific tax forms

Each person involved will need to bring a valid photo ID. If you’re wiring funds for the purchase, make sure to confirm the wiring instructions directly with the title company to avoid scams.

Final Payments, Credits, and Fees Are Calculated and Disbursed

Closings in Tampa Bay and throughout Florida follow a standard process for settling final amounts owed by both parties. The title company will review the agreed-upon purchase price, subtract or add items like:

• Earnest money deposits

• Lender fees

• Prorated taxes

• HOA fees or credits

• Title insurance

• Agent commissions

• Attorney or closing fees (if applicable)

The buyer brings the remaining balance (typically by wire transfer), and the title company handles distributing funds to the seller, agents, and any third parties. Sellers will receive their net proceeds—often by wire—on the day of closing or the next business day, depending on the time of day everything wraps up.

The Title Is Transferred and Recorded With the County

Once all the documents are signed and funds have been received and disbursed, the title company officially transfers ownership of the home. The deed is recorded with the county clerk’s office, and the buyer becomes the legal owner of the property.

The buyer will also receive a copy of the signed documents and, within a few weeks, will receive the official recorded deed by mail. This is also when the title insurance policy (if purchased) is finalized and delivered.

The Buyer Receives the Keys and Officially Takes Ownership

Once everything is signed, funds are processed, and the deed is recorded, the buyer receives the keys to the home. In most cases, this happens right at the closing table. If any special arrangements were made in the contract—such as the seller staying in the home for a few days after closing—that will be documented and agreed upon beforehand.

At this point, the deal is officially closed, and the buyer can take possession of the property. Utilities should be transferred, and the buyer should update their mailing address, set up home insurance, and prepare to move in.

FAQ About Real Estate Closings in Florida

Check out these commonly asked questions about what happens during a Florida real estate closing. If you don’t see your question here, please call our office and we’ll find you the answers you need.

How Long Does a Closing Appointment Take?

Most closings take about an hour. If you’re financing the home, expect more paperwork and a slightly longer appointment. Cash closings are usually quicker.

Can I Close Remotely If I Don’t Live in Florida?

Yes. Remote closings are common, especially for out-of-state buyers and sellers. Your REALTOR® and title company can coordinate electronic or mobile signing.

What Should I Bring to Closing?

You’ll need a government-issued photo ID and, if you’re the buyer, proof of your wire transfer or cashier’s check for the funds due. Your REALTOR will confirm the details beforehand.

Do I Need to Attend the Closing in Person?

Not always. With remote and mail-away closings, you can sign documents ahead of time. However, many buyers and sellers still prefer to attend in person when possible.

What Happens If There’s a Delay?

If something unexpected comes up—like a financing issue or document error—the closing may be delayed by a few days. Your REALTOR and title company will work quickly to resolve it and reschedule.

A Florida real estate closing brings together all the moving pieces of a sale and finalizes your transaction. With the right REALTOR® guiding you and a reliable title company handling the details, your closing can be smooth, efficient, and stress-free—so you can celebrate your next big move.

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