DENVER HOME BUYER’S GUIDE · STEP 10 OF 10
Closing day in Colorado
Your closing disclosure, the final walkthrough, what to bring to the closing table and what happens after you get your keys.
Final walkthrough checklistYou made it. Closing usually happens four to six weeks after your offer is accepted, and your earnest money has been waiting at the title company the whole time. Here is what the last few days look like.
The last few days before closing
Your closing disclosure
Your lender must send it at least three business days before closing. It shows your final loan terms and exactly what you’ll pay. Compare it with your original Loan Estimate. If something changed significantly, tell me and your lender right away.
Closing costs
Expect roughly 2% to 5% of the purchase price. Some of it may be covered by a seller credit, and it will all be itemized on your closing disclosure.
Your final numbers
The title company sends a settlement statement showing the exact amount you’ll bring to closing. Call them at a verified number to confirm wire instructions before you send anything.
Final walkthrough checklist
We walk through the home together within 24 hours of closing. It takes about an hour. This isn’t a second inspection. It’s a check that the home is in the condition you agreed to buy it in.
- ✓Any repairs the seller agreed to are done, with receipts
- ✓Every appliance turns on and works
- ✓Faucets run with no leaks under the sinks
- ✓Toilets flush and refill properly
- ✓The garage door opens and closes with the opener
- ✓The garbage disposal and exhaust fans run
- ✓Nothing was left behind that shouldn’t be, and nothing that should stay was taken
At the closing table
Closing usually takes place at the title company and takes about an hour. Your agent, a title company closer and sometimes your loan officer will be there.
What to bring
A current government-issued photo ID
A second form of ID, such as a credit card or health insurance card
Your funds, by wire or cashier’s check, as instructed by the title company
What you’ll sign
A lot of paper, so warm up your signing hand. The big ones are the promissory note, your promise to repay the loan, and the deed of trust, which secures the loan with the home.
Getting your keys
Once everything is signed and funded and the deed is recorded, the home is yours. You’ll get the keys, garage door openers and codes.
One more reminder about wire fraud
Scammers send fake wiring instructions at exactly this moment. Before you wire your closing funds, call the title company at a number you found yourself and confirm the instructions out loud. If you get an email saying the instructions have changed, treat it as fraud until proven otherwise.
After closing
Our formal business together ends at closing, but I hope our relationship doesn’t. Think of me for anything real estate related, now and later. Here is what you can expect from me:
- Updated home equity reports
- Market updates for your neighborhood
- Home maintenance tips
- My vendor list of contractors and service pros my clients have used
- Introductions to trusted agents in other markets
- Invitations to client and community events
And a percentage of my commission from your purchase goes to Shared Power grants that help Denver women buy homes of their own.
Frequently asked questions
How long does closing take?
The signing itself usually takes about an hour. Getting to that day takes four to six weeks from an accepted offer for most financed purchases.
When do I get the keys?
Once the documents are signed, the loan has funded and the deed is recorded. That’s usually the same day. If the seller negotiated time to stay after closing, you’ll get keys on the date in your contract.
What if something is wrong at the final walkthrough?
Tell me right away. Depending on the issue, we can ask the seller to fix it before closing, negotiate a credit or, in some cases, delay closing until it’s resolved.
Can I close remotely?
Often, yes. Many title companies offer mail-away or remote signings. Let me know early and I’ll coordinate it with the title company and your lender.
Ready to start at step 1?
Whether you’re buying next month or next year, a short call is the best place to start. I’ll tell you what I’d do first.
Book a call720.454.5432General information, not legal or lending advice. Your lender and title company will confirm your closing requirements. Last reviewed September 2026.