What to Expect at Closing When Buying a Home in Westchester County

You’ve found the right home, your offer has been accepted, the inspection is done, and the mortgage is approved, now you’re heading to the finish line: closing day. For buyers in Westchester County, closing is the final step where ownership officially transfers and the keys are handed over. Understanding what to expect can make the process smoother, less stressful, and even enjoyable.

Here’s a clear breakdown of what happens at closing when you’re buying a home in Westchester County.

What “Closing” Actually Means

Closing is the point in the transaction where:

the deed is transferred from seller to buyer
closing costs and down payment are paid
mortgage documents are signed
funds are disbursed
you receive the keys to your new home

In New York, closings are attorney-driven, which means your real estate attorney plays a big role. Unlike many other states where title companies handle closings, New York relies heavily on attorneys to review contracts, title, and final numbers, and to represent your best interests.

Who Will Be at the Closing Table?

Depending on whether the closing is in person or virtual, you may see:

you (the buyer)
your real estate attorney
the seller’s attorney
the bank attorney representing your lender
sometimes your real estate agent
the title company representative

Don’t worry—you’re not expected to negotiate anything here. By the time you reach closing, everything should already be agreed upon. This is mostly a document-signing day.

What You Should Bring With You

Your attorney will usually provide a checklist, but generally, buyers should bring:

a valid government-issued photo ID
proof of homeowner’s insurance
any documents requested by your lender
certified or wired funds for closing costs and down payment (as instructed by your attorney)

Important: Always confirm wiring instructions carefully with your attorney by phone to avoid wire fraud.

Review of the Final Closing Disclosure

Before closing, you will receive a Closing Disclosure from your lender. This document outlines:

loan amount
interest rate
monthly payment
taxes and insurance escrow
closing costs and fees
cash needed to close

Review this carefully. If anything doesn’t look right, bring it up before closing or at the table with your attorney present.

Final Walk-Through of the Property

Typically, buyers do a final walk-through within 24 hours of closing. You’ll be checking that:

the home is in the same condition as when you signed the contract
any agreed-upon repairs are completed
appliances and systems are functional
seller’s belongings are removed (unless otherwise agreed)

If something is wrong, your attorney may negotiate a credit, escrow holdback, or repair before documents are signed.

What You’ll Be Signing

At closing, expect a stack of documents. Common items include:

mortgage note (your promise to repay the loan)
mortgage or deed of trust
tax documents
bank affidavits and disclosures
title transfer documents
deed transferring ownership into your name

Your attorney will explain what each document means, don’t feel rushed, and don’t hesitate to ask questions.

How Much Money You’ll Need at Closing

In Westchester County, closing costs for buyers typically include:

lender fees
attorney fees
title insurance
appraisal fees
recording fees
prepaid taxes and homeowner’s insurance
mansion tax (if applicable on purchases over the NY threshold)

Your lender and attorney will provide an exact amount due prior to closing.

When Do You Get the Keys?

The best part.

Once documents are signed and funds have been disbursed, you become the official owner. Keys are usually handed to you at the closing table or arranged through your agent.

You can now:

celebrate
take pictures
schedule movers
start planning paint colors and furniture layouts

Final Tips for a Smooth Closing in Westchester County

Stay in close contact with your lender and attorney
Avoid opening new credit accounts before closing
Respond quickly to document requests
Do your final walk-through thoughtfully
Keep your schedule flexible on closing day

The Bottom Line

Closing on a home in Westchester County is exciting, and while it comes with paperwork and logistics, it’s also the moment your homeownership dream becomes real. With the right attorney, lender, and real estate agent on your side, the process is straightforward and stress-free.

If you’re thinking about buying a home in Westchester County or you’re getting close to closing and have questions, I’m happy to help guide you every step of the way.

Just reach out, I’d love to support you on your homeownership journey. Call me at 646-421-4467.