Quick Answer: – The buyer typically signs first, especially when a mortgage loan is involved.– The seller signs after the buyer, once all loan documents are finalized.– The signing order helps ensure a smooth, legally compliant closing, preventing delays or funding issues.
Who signs first at closing – the buyer or seller? It’s a common question for homebuyers and sellers, and understanding the answer can help you feel prepared and confident on closing day.
In most cases, the buyer signs first because their lender must finalize the loan documents before the seller can complete their portion, ensuring the transaction proceeds smoothly.
Whether you’re closing a home in Austin, TX, Boise, ID, or Sacramento, CA, this Redfin guide will walk you through who signs first at closing, why the order matters, and how it affects the final steps of your home purchase.
Who signs first at closing — the buyer or seller? Understanding the full timeline
Step 1: Buyer signs loan documents
Before the seller signs, the buyer must review and sign several key loan documents to finalize their financing, including:
The promissory note: Your written promise to repay the loan, including the amount, interest rate, and payment terms.
The mortgage or deed of trust: Secures the lender’s interest in the property and allows foreclosure if the loan isn’t repaid.
Loan disclosures: Documents that outline your loan’s key terms, fees, and risks.
Settlement statements: A breakdown of all closing costs and the final amount due at closing.
Once these documents are completed, the lender performs a final review before releasing funds.
Step 2: Seller signs transfer documents
After the buyer’s paperwork is in order, the seller signs:
The deed: The legal document that transfers ownership of the property from the seller to the buyer.
Title-related documents: Paperwork confirming the seller’s right to sell the property and outlining any liens or restrictions.
Final settlement statements: A detailed summary of all closing costs and how funds are distributed between buyer and seller.
Affidavits and disclosures required by state or local law: Statements verifying property details or legal obligations, such as occupancy, condition, or compliance with local regulations.
Step 3: The closing agent completes the transaction
The closing agent or attorney will:
Verify signatures: The closing agent checks that all documents are signed correctly and legally.
Confirm the release of funds: Ensures the buyer’s lender or bank has sent the necessary money to complete the transaction.
Record the deed with the county: Officially documents the property transfer in public records.
Distribute final documents to both parties: Provides buyers and sellers with copies of all completed closing paperwork for their records.
>> Read: The Ultimate Guide to Closing Documents
Why does the buyer usually sign first?
The buyer typically signs first because their lender must review and finalize the loan documents before the transaction can move forward. Once the buyer signs, the lender can approve funding, allowing the seller to complete their portion of the closing with confidence.
The loan funding process drives the signing order
When a mortgage is involved, the lender provides a detailed loan package that the buyer must sign before funds can be released. This ensures:
The lender has verified the buyer’s information.
All required disclosures have been reviewed and acknowledged.
Funding can be delivered without delays.
Only after the buyer’s loan documents are fully executed can the seller sign off on the deed transfer and closing paperwork.
Cash buyers may still sign first
Even in an all-cash transaction, the buyer often signs first so the closing agent can confirm funds before the property legally changes hands. Although these closings are faster, keeping the same signing order helps prevent last-minute issues.
Does it matter who signs first?
Yes, the signing order protects both parties and ensures the transaction complies with lender, legal, and title requirements.
Benefits of buyer-first signing
Ensures loan conditions are fulfilled before ownership transfers
Minimizes the risk of funding issues
Prevents the seller from signing prematurely
Benefits of seller signing second
Ensures the deed is only transferred once funds are verified
Avoids unnecessary delays if buyer-side issues arise
Maintains an orderly closing sequence recognized nationwide
Can the buyer and seller sign on different days?
In many markets, yes. While some states require all parties to sign on the same day, others allow a split closing. This flexibility often helps accommodate work schedules, remote closings, or lender timelines. Regardless, the buyer still typically signs before the seller.
Tips for a smooth signing experience
Preparing ahead of time can make closing days faster, easier, and far less stressful. Whether you’re the buyer or seller, these tips help ensure your signing process goes smoothly from start to finish.
1. Review your closing disclosure early
Buyers should carefully review their Closing Disclosure at least three days before closing. This gives you time to confirm loan terms, check for errors, and ask your lender questions before signing day, preventing last-minute delays.
2. Bring a valid government-issued ID
Closing agents must verify your identity, so bring a current driver’s license, passport, or state ID. If the ID is expired or missing, it could postpone the signing.
3. Confirm final figures and wire instructions
Double-check wiring instructions directly with your closing agent or title company, not by email alone, to avoid fraud. Also verify the amount due at closing and ensure funds are ready to send.
4. Ask questions ahead of time
If anything in your loan package or settlement documents seems unclear, contact your lender or agent before the appointment. Arriving with confidence makes the signing shorter and smoother.
5. Complete your final walkthrough early
Buyers should conduct the final walkthrough at least a few hours before closing. This allows time to address any issues that may impact the signing or release of funds.
6. Arrive on time and expect a set pace
Buyer signings take longer because of the loan paperwork, while sellers typically finish quickly. Arriving promptly keeps the day on track and avoids bottlenecks in the closing schedule.
Understanding buyer vs. seller signing order
Understanding who signs first at closing, the buyer or seller, helps both parties know what to expect on closing day and ensures a more confident, stress-free experience. Whether you’re buying or selling, the signing order plays a crucial role in keeping the transaction smooth, secure, and on track for a successful handoff of keys and ownership.
FAQs: Who signs first at closing? The buyer or seller?
1. Do both the buyer and seller need to be present at closing, or can one party sign remotely?
Many closings allow remote or hybrid signings using notarized electronic documents. Your closing agent and state regulations determine what’s permitted.
2. How long does the buyer’s signing typically take compared to the seller’s?
Buyer signing can take 45–90 minutes due to loan paperwork. Sellers, who sign far fewer documents, usually finish in 15–30 minutes.
3. Can closing be delayed if the buyer doesn’t sign first?
Yes. If the buyer hasn’t completed loan documents, the lender cannot release funds, and the seller cannot finalize their portion.
4. What happens if there’s an issue with the buyer’s loan documents during signing?
The closing may pause while the lender corrects the paperwork. This is one reason buyers sign first so issues don’t affect the seller’s timeline.
5. Do title companies or attorneys ever change the signing order?
In rare cases, such as commercial properties or complex transactions, the order may shift. However, for standard residential closings, the buyer-first process is almost always followed
