What Documents Will I Sign at Closing?

Closing involves a stack of paperwork, but each document has a clear purpose. Here are the main ones buyers and sellers sign in a California transaction.

Closing Disclosure (Buyers)

This lender document lays out your final loan terms, monthly payment, and all closing costs. You'll receive it at least three business days before closing.

Loan Documents (Buyers)

Buyers sign the promissory note and deed of trust, which create the loan and secure it against the property.

The Grant Deed (Sellers)

Sellers sign the deed that transfers ownership to the buyer. It's notarized and later recorded with the county.

Settlement Statement

Both sides review an itemized statement of credits, debits, and prorations showing exactly where every dollar goes.

I'll Explain Every Page

Reach out and I'll make sure you understand what you're signing so you can close with total confidence.