Your Guide to a Smooth Closing
Closing on a Home in South Jersey Does Not Have to Be Confusing
Over 636 homes sold and more than 636 closings later, I have seen every kind of closing scenario. The ones that go smoothly share one thing in common: the buyer and seller understood what was happening before they walked into the room.
The closing process can feel overwhelming because it involves a lot of paperwork, many different parties, and a significant amount of money changing hands. But when you know what to expect, the process becomes straightforward.
This guide is designed to walk you through each piece of the closing puzzle. Whether you are a first-time buyer wondering what happens on closing day, a seller trying to understand your net proceeds, or someone who just wants to know what all those fees actually mean, you will find clear answers here.
My approach is simple: educate first, sell second. I want you to walk into your closing feeling informed, confident, and ready to sign. If you have questions that are not covered in these guides, I am always just a phone call or email away.
Bob Millaway
Redfin Senior Agent · AI Certified Agent · 636+ homes sold across Burlington County and South Jersey. Licensed NJ Salesperson #791082. I combine local expertise, honest guidance, and cutting-edge technology to help you make confident real estate decisions.
The Collection
Everything You Need to Know About Closing
Work through these guides in order, or jump to the topic that matters most to you right now.
What Happens at Closing? A Step-by-Step Guide for South Jersey
The closing process explained from start to finish. What documents to expect, who attends, what questions to ask, and how to prepare for a smooth closing day.
Closing Costs Explained: Who Pays What in New Jersey?
A detailed breakdown of closing costs in New Jersey. Who pays what, typical cost ranges, lender fees, title charges, transfer taxes, and how to estimate your total.
How to Read Your Closing Disclosure Form
Your Closing Disclosure is one of the most important documents in the home buying process. Learn how to read each section, spot errors, and compare it to your Loan Estimate.
Title Insurance: What You Need to Know in New Jersey
Title insurance protects one of the biggest investments of your life. New Jersey requirements, lender vs owner policies, what title insurance covers, and how to choose the right coverage.
The Final Walkthrough: What to Check Before You Close
The final walkthrough is your last chance to verify the home is in the condition you agreed to buy. A complete checklist of what to inspect before you sign.
Common Questions
Quick Answers to the Questions Buyers and Sellers Ask Most About Closing
How long does the closing process take in New Jersey?
The closing process typically takes 30 to 60 days from the date your offer is accepted. This timeline allows time for the home inspection, appraisal, title search, loan processing, and final paperwork. Cash transactions can close faster, sometimes in as little as 14 days.
Do I need a real estate attorney for closing in New Jersey?
Yes. New Jersey requires a real estate attorney to handle closings. Your attorney reviews the contract, conducts the title search, prepares the deed, and oversees the closing itself. This is a non-negotiable part of the process in our state.
How much are closing costs in New Jersey?
Closing costs in New Jersey typically range from 2% to 5% of the purchase price. On a $400,000 home, that is $8,000 to $20,000. These costs include lender fees, title insurance, attorney fees, transfer taxes, and prepaid items like property taxes and homeowners insurance.
What is the difference between a Loan Estimate and a Closing Disclosure?
The Loan Estimate is provided within three days of your mortgage application and gives you an initial estimate of your loan terms and costs. The Closing Disclosure is provided at least three business days before closing and contains the final, actual numbers. Comparing the two documents helps you catch any changes or errors.
Can I back out after signing the Closing Disclosure?
Once you sign the Closing Disclosure and the closing documents, the sale is generally final. You have a three-day right of rescission only on refinances of your primary residence, not on purchases. Before signing, make sure you are comfortable with every number on the page.
What should I bring to closing?
Bring a government-issued photo ID, your certified or cashier's check for closing costs (unless wiring funds), your homeowners insurance policy, and any documents your lender or attorney has asked you to bring. Your attorney will provide a full list in advance.
Have Questions About Your Upcoming Closing?
Every closing is different. Whether you are buying, selling, or just starting to explore your options, I am here to help you understand every step of the process.