What Happens at Closing

In Colorado, closings are usually handled by a title company. A day or two beforehand, you'll get a settlement statement showing your sale price, your mortgage payoff, closing costs and prorations, and what you'll walk away with. We'll go over it with you line by line before you sign anything.

At closing, you'll sign the deed and the other documents needed to transfer the home. The title company pays off your mortgage and any other liens, and in most Colorado closings the funds are disbursed at the time everything is signed. Bring a valid photo ID, and ask the title company ahead of time how you'd like to receive your proceeds.

What to Leave for the Buyer

Unless your contract says otherwise, plan to leave these at the home or hand them over at closing:

• All house keys, plus garage door openers and any keypad codes
• Mailbox keys and any HOA pool, gate or clubhouse fobs
• Manuals and warranties for appliances, the furnace, water heater and other systems
• Anything else included in the contract, like appliances or window coverings

And it's a nice touch to leave the home clean and empty, with trash taken out, so the new owners start off on the right foot.

Moving Checklist

A few more to remember: keep your homeowner's insurance in place until the sale closes, then cancel or transfer it. Set up coverage for your new home before you move in. And let friends and family know your new address.

Selling and buying at the same time? We can help you line up both closings so your move goes as smoothly as possible. See how we help sellers.