The last week before a Florida closing is when small unresolved items become urgent. Use this checklist alongside the signed contract and the closing agent's instructions.
One week before closing
- Confirm the lender's remaining conditions and expected clear-to-close timing.
- Ask title about title clearance, payoffs, survey issues, association estoppels, and final figures.
- Confirm HOA or condo approval and any required transfer fees.
- Check that repair agreements have been completed and receipts delivered.
- Choose the signing method and confirm identification, notary, witness, or remote-signing requirements with title.
Before the signing appointment
- Schedule the buyer's final walk-through according to the contract; commonly this is close to closing.
- Review the settlement statement and raise discrepancies promptly with title, lender, and agent.
- Buyers should confirm the exact amount due and call title using an independently verified number before wiring. Do not rely on changed instructions in an email or text.
- Sellers should keep agreed utilities active through the day of closing and coordinate final readings and account changes.
- Confirm the plan for keys, garage remotes, access codes, and possession under the contract.
After closing
Obtain the final settlement statement, confirm disbursement and key-release instructions with title and the agents, and finish the brokerage file. Florida buyers who qualify should check homestead exemption filing requirements with their county property appraiser.
Christine Matus PA helps agents see which closing items are complete and which still need an owner. Contact Christine for transaction coordination.