Closing day in Florida should be the easy part — if you've prepared. Use this checklist in the days before and the morning of your closing so nothing trips you up at the table.
⚠️ WIRE FRAUD WARNING: Criminals send fake "updated wire instructions" by email. Never wire funds based on emailed instructions. Always call your title company at a number you independently verified to confirm wiring details before sending a penny. We will never email you new instructions at the last minute.
1–2 Weeks Before Closing
- Confirm your closing date, time, and location (or remote/RON setup) with your title company.
- Lock and verify wiring instructions by phone using a number you looked up yourself.
- Review your Closing Disclosure / settlement statement for accuracy.
- Finalize homeowners insurance — policy bound and effective on closing day.
- Avoid new credit, large purchases, or job changes that could affect your loan.
- Schedule your final walk-through.
Free Florida Closing Calculators
See all Florida title calculators →
Trusted for Florida Closings
“Atlantic Title made our first home purchase so smooth. They explained every document clearly and closed on time. Couldn’t recommend them more highly.”
“As a Realtor I send every single client to Atlantic Title. Their team is responsive, professional, and always closes on time. My go-to title company in Florida.”
“We did a RON closing from out of state and it was absolutely seamless. The technology was easy to use and the team walked us through every step. Exceptional.”
Have a Title or Closing Question?
Leave your name, phone, and email — our team will reach out, fast and friendly.
What to Bring to Closing
- Government-issued photo ID (driver's license or passport) for every person signing.
- Cashier's check or proof of completed wire for funds due.
- Any documents your title company or lender requested.
- Your spouse, if required to sign (Florida homestead rules — even a non-owner spouse may need to sign).
- Contact info for your agent, lender, and insurance, just in case.
Before You Sign — Confirm
- Names and spelling on the deed are correct.
- The loan terms match what you agreed to (rate, amount, payment).
- You're getting an owner's title insurance policy (not just the lender's).
- All credits, prorations, and fees on the statement look right.
- You understand who pays what and the total cash to close.
- Any repairs or seller obligations from the contract are satisfied.
After Closing — Keep Safe
- Your signed closing documents and Closing Disclosure.
- Your owner's title insurance policy (store it permanently).
- The recorded deed once it returns from the county.
- Sign up for your county's free property fraud alert.
💡 Want the full story behind these items? Read 5 Florida Title Closing Mistakes to Avoid.
General information, not legal or financial advice. Requirements vary by transaction; your title company and lender will confirm exactly what's needed for your closing.
Closing in Florida Soon?
Atlantic Title Firm makes closing day smooth, secure, and on time across all 67 counties.