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Step 4

Closing on your new home

Once your purchase offer has been accepted by the seller and you have chosen a loan and a lender, it’s time to focus on the closing process.

You’ll need to provide your lender with additional documents, so stay alert for requests and notifications. You’ll also need to get a home inspection and shop for homeowner’s and title insurance. Be on alert for mortgage closing scams.

Goals for this phase

  • Submit documents required for underwriting (approval) of your loan
  • Choose the closing service providers you need for closing
  • Sign the papers to close on your home and the loan you use to pay for it

Tools for this phase

Closing checklist

Our closing checklist lets you know what to expect at closing and what questions to ask so you are prepared.

Closing Disclosure explainer

Double-check that all the details about your loan are correct.

Guide to closing forms

In addition to your Closing Disclosure, there are other important documents you need to sign at closing. We can help you navigate these documents.

Visit our sources page to learn more about the facts and numbers we reference.

The process and forms described on this page reflect mortgage regulations that apply to most mortgages.