Prior to closing, you should have a final inspection or "walk-through" to ensure requested repairs were performed, that the home is in the same condition, and items agreed to remain with the house are there (such as drapes, or lighting fixtures).
The lender or title company will have provided you with the final numbers a few days before closing. You will need to either wire the funds needed for closing the day before or arrive with a cashier’s check payable to the title company.
At closing, a title company representative or attorney will go over the final closing disclosure numbers with you and have you sign all of the loan documents. The seller may be at the closing table with you or they may have already signed the deed to transfer the ownership of the property to you prior to the closing date.
Usually you will be accompanied by your real estate agent and title company representative. It will take about an hour to sign all of the documents. If you can’t attend the closing meeting, you may be able to arrange to have a family member sign for you via a power of attorney. You will need to set this up a few weeks prior to closing.
Once all of the documents have been signed and you have provided the amount needed at closing, you will receive the keys to your new home. Congratulations!