The Ultimate Pre-Closing Checklist for Realtors and Lenders

In the whirlwind of real estate transactions, the pre-closing phase is where deals can either stay on track or unravel at the last minute. As a title company, we’ve seen it all—from missing documents and delayed funds to last-minute surprises that could have been avoided.

That’s why we created The Ultimate Pre-Closing Checklist—to help realtors and lenders keep everything on point, every time. Whether you're a seasoned pro or just starting out, these best practices will keep your closings smooth, your clients happy, and your reputation solid.

1. Confirm Final Sales Contract

Before anything else, make sure the executed purchase agreement is final, signed, and reflects all negotiated terms, addenda, and contingencies. Ensure all parties have the latest version—no loose ends.

2. Order Title Early

The earlier the title order is submitted, the more time your title company has to identify and resolve any issues like liens, encroachments, or judgments. Pro tip: Order title the same day the contract is executed.

3. Verify Earnest Money Deposit

Confirm the earnest money has been received and is properly documented. Missing or late deposits can throw off the entire timeline—and delay closing.

4. Track Contingencies

From home inspections and appraisals to loan approvals and HOA documents, ensure all contingencies are either met or properly waived in writing. These are deal-breakers if left unchecked.

5. Final Loan Approval

Realtors: stay in close contact with the buyer’s lender.
Lenders: triple-check that all borrower documentation is complete and underwriting is final. A clear-to-close (CTC) status is your green light.

6. Confirm Closing Funds

Ensure buyers know the exact amount needed to close and how to deliver funds (wire transfer, cashier’s check, etc.). No one wants to scramble for last-minute money.

7. Review Closing Disclosure (CD) Early

The Closing Disclosure should be reviewed by all parties well before closing day. Look for accuracy in fees, taxes, credits, and escrow amounts. Catching errors early means fewer surprises at the table.

8. Coordinate with the Title Company

Keep the lines of communication open with your title partner. Confirm closing date/time, location, remote options, and who needs to bring what. Proactive communication avoids last-minute chaos.

9. Collect IDs and Signer Info

Ensure all signers bring valid government-issued ID. For remote closings or Power of Attorney situations, verify everything meets legal requirements ahead of time.

10. Final Walkthrough Complete

Realtors: Make sure the buyer has done a final walkthrough and that any agreed-upon repairs have been completed. It’s one of the last chances to address property condition issues.

Bonus Tip: Stay Proactive, Not Reactive

The best closings feel effortless—because behind the scenes, the details were handled with precision. By following a pre-closing checklist, you minimize risk, reduce stress, and create an experience your clients will rave about.

👋 Need a Title Partner Who’s Got Your Back?

At New Door Title, we don’t just close deals—we guide you through every step with clear communication, fast turnaround, and dedicated service. Let’s make your next closing your easiest one yet.