A close-up of a person reviewing a real estate sale document labeled 'Sale of Real Estate' on a clipboard, with a stack of hundred-dollar bills, a model house, and paperwork titled 'Closing Costs' on a wooden table, in a well-lit room with windows and greenery outside.

Florida Real Estate Closing Process Explained: Step-by-Step Guide for Homebuyers

Home Selling Costs & Closings
May 16, 2025•4 min read

If you're buying a home in Florida, the real estate closing process might sound a bit intimidating. But don't worry — once you understand the steps, it's totally manageable. Whether you're buying your first home in Orlando, Kissimmee, or DeLand, this guide breaks it all down.

Let’s walk you through the Florida home closing process step-by-step.

What Is the Real Estate Closing Process?

It's the final step before you officially own your home.

The closing process is where all the paperwork gets finalized, money changes hands, and you receive the keys to your new home.

It involves coordinating between:

  • The buyer

  • The seller

  • Real estate agents

  • A title company

  • Possibly a lender and real estate attorney

Step-by-Step: Florida Home Closing Process

Step 1: Make an Offer & Sign the Purchase Agreement

Once you find a home you love, your agent helps you submit an offer. If accepted, both parties sign the purchase agreement. This contract lays out the price, contingencies, and timeline.

Step 2: Schedule Inspections & Appraisal

After the offer is accepted:

  • Get a home inspection to check for problems

  • If you're using a mortgage, the lender will require an appraisal

Step 3: Do a Title Search & Buy Title Insurance

A title company checks the property’s history to make sure there are no legal claims or unpaid taxes. You’ll also purchase title insurance to protect against future issues.

Step 4: Review the Closing Disclosure

At least 3 days before closing, you'll receive a Closing Disclosure. It outlines all the fees, loan details, and how much you need to bring to closing.

Step 5: Do a Final Walk-Through

You get one last chance to make sure the home is in the condition agreed upon in the contract. This usually happens 24-48 hours before closing.

Step 6: Closing Day

This is the big day!

  • You’ll meet with the title company (and possibly your attorney)

  • Sign all legal documents

  • Pay your closing costs

  • Get the keys to your new home

How Long Does Closing Take in Florida?

On average, it takes 30 to 45 days to close after your offer is accepted. It can be faster for cash buyers or delayed by things like financing issues or missing documents.

What Are Typical Closing Costs in Florida?

For Buyers:

  • 2% to 5% of the purchase price

  • Includes title fees, lender fees, appraisal, and inspections

For Sellers:

  • Usually pay the real estate commission (5% to 6%)

  • May also contribute to title fees or buyer's closing costs (if negotiated)

Do You Need a Real Estate Attorney in Florida?

Not legally required, but a great idea if:

  • The contract is complex

  • There are liens or title issues

  • You want legal advice during negotiation or closing

FAQs About the Florida Real Estate Closing Process

How much are closing costs in Florida?

Typically 2% to 5% of the home's purchase price for buyers. Sellers often pay agent commissions and some transfer taxes.

What does a title company do in a Florida real estate transaction?

They conduct the title search, provide title insurance, and manage the signing and fund disbursement process.

Who pays the closing costs in Florida?

Buyers and sellers both have costs. Buyers cover loan-related fees; sellers usually cover agent commissions and transfer taxes.

Can I close without a real estate attorney in Florida?

Yes, but if the deal is complex or you're unsure about contract terms, hiring one is smart.

FAQs About MainStreet Realty

What does MainStreet Realty do?

We help buyers and sellers navigate the real estate process in Central Florida, including Orlando, Deltona, DeLand, Lake Nona, and Kissimmee.

Can you help first-time homebuyers?

Absolutely. We guide buyers through financing, inspections, and every step of the closing process.

Do you work with cash buyers and investors?

Yes! Whether you're buying your first home or your fifth rental, we're here to help.

Do you offer help with selling homes too?

Yes. We offer full-service seller representation, including pricing strategy, marketing, and negotiation.

Final Thoughts

The real estate closing process in Florida doesn’t have to be overwhelming. With the right team (like BuyMainStreetRE.com) and a clear plan, you’ll be on your way to owning your Florida dream home in no time.

Have questions? Reach out today and let us guide you home.

Email: [email protected]

Address: 2 Volusia Drive Debary, FL, 32713

Phone Number: Orlando: 407-789-0925  |   Volusia: 386-259-2426   |   Lake:352-729-1425


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