Closing Day Countdown: Who Signs First, Buyer or Seller?

by buyorsellyourhome

Decoding the Closing Ceremony

At the finish line of a real estate transaction, paperwork reigns supreme. Who actually signs first—the buyer or the seller—can feel like a mystery, but understanding the usual order keeps everyone on track.

The Traditional Signing Order

Seller Finalizes Documents: The seller reviews and signs deeds, affidavits, and settlement statements.
Lender Approval & Funding: Once seller documents are recorded, the lender releases funds.
Buyer Completes Signing: The buyer signs the mortgage, promissory note, and any remaining paperwork.
Recording & Disbursement: County offices record the deed; funds transfer to the seller’s account.

Key Takeaway: Starting with the seller ensures clear title transfer before money changes hands—minimizing risk for all parties.

Why Seller Signs First

There are several solid reasons:

Title Clarity – Ensures the property is free of liens or encumbrances.
Funding Certainty – Lenders require all seller documents before wiring the purchase price.
Legal Compliance – Meets state recording deadlines and avoids post-closing disputes.

“More than 90% of closings follow this sequence to streamline fund release and document recording,” reports industry analysts.

Modern Variations & Tips

Alternative Scenarios:

E-Closings allow both sides to sign almost simultaneously online.
Power of Attorney can substitute when one party is out of state.
Escrow Extensions may adjust signing order in complex deals.

Pro Tips for a Smooth Closing

Review your lender’s requirements well before closing day.
Confirm signing locations and identification rules.
Double-check all figures on closing disclosures.
Arrange for wired funds with enough lead time.

“Preparation is the single biggest factor in avoiding last-minute hiccups,” says a seasoned title agent.

Final Thoughts

Who signs first? In most transactions, it’s the seller. This sequence protects buyers, sellers, lenders, and title companies by ensuring proper document flow and timely funding. Whether you’re closing in person or online, knowing this order empowers you to stay organized and confident on closing day.

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