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What to Expect at Closing: Final Steps Before You Get the Keys To Your New Home in McKinney, TX
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What to Expect at Closing: Final Steps Before You Get the Keys To Your New Home in McKinney, TX

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Aug 4
  • 3 min read

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Closing day is the finish line of your home-buying journey in McKinney, TX—but it’s also when the most important paperwork and payments happen. Here’s what first-time buyers need to know to be fully prepared on the day they officially become homeowners.


Review the Final Closing Disclosure

This document outlines:

  • Final loan terms

  • Interest rate

  • Monthly payment

  • Total closing costs

You’ll receive it at least 3 days before closing. Read every line and bring questions to your agent or lender.


Bring Proper Identification and Payment

For closing day, bring:

  • A government-issued photo ID

  • Certified funds or a wire transfer for closing costs and down payment

  • Any paperwork requested by your lender


Sign Legal Documents

At the title company or attorney’s office, you’ll sign:

  • The promissory note

  • Deed of trust (or mortgage agreement)

  • Final loan disclosures

  • Affidavits confirming your information


Final Walkthrough (Optional but Recommended)

Usually done within 24 hours before closing:

  • Verify repairs were completed

  • Ensure no new damage

  • Check that agreed-upon items remain in the home


Get the Keys!

Once documents are signed and the lender funds the loan:

  • The title is recorded with the county.

  • You receive the keys and officially own the home.


Nitin Gupta Makes Closings Seamless

“A smooth closing isn’t an accident—it’s a result of having the right expert by your side.”


McKinney Home Closing Facts:

  • 83% of buyers who use a REALTOR® say closing was faster and easier.

  • Average closing costs in McKinney: 2%–5% of purchase price

  • 24% of buyers experience confusion during closing due to lack of preparation


Final Thought

Your closing day should be exciting—not stressful. With the right preparation and the right REALTOR®, you can confidently take the final step toward owning your first home in McKinney.



Call us at 469-269-6541 for more information about McKinney real estate!


About us: McKinney New Construction Expert Real Estate Agent



As a Top Real Estate Professional in McKinney, I understand the challenges that arise when buying a new construction home. There are over 100 builders in the DFW area. I work with most of the new home builders in McKinney and understand how various builders operate. I am familiar with the options they offer, current incentives and I frequently visit the upcoming communities they are building. I guide my clients through all steps of the new home construction process and aggressively protect their interests in the transaction.


As a holder of top real estate industry certifications and designations like CRS, ABR & GRI, I can offer my clients experience as a Buyer's Agent and REALTOR®, top Industry Customer Service, in-depth, up-to-the-minute and comprehensive market knowledge; honesty, integrity, dedication, and professionalism in my business.


Whether you are a first time buyer in McKinney looking to buy a home in Fields or whether you are relocating to McKinney from California or moving your entire family from areas like San Francisco, Fremont, Palo Alto, Los Angeles, San Diego in California due to job transfer with your company, I can help you find a new construction home in Fields in McKinney. Our relocation team eases the transition - whether you are moving across town or across the globe. We will work with you to find an area that best suits your professional, family and lifestyle needs. We have all the tools you need to help your home search. Whether it is video previews of homes, extended work hours, digital signatures for documents or more, we can make this process as comfortable as possible no matter where you are located.



What is most important to you in your new construction home in Fields in McKinney? Send us an email at info@NitinGuptaDFW.com or give us a call at (469) 269-6541 to schedule a no obligation consultation. We’ll give you honest advice about Fields community that you can use to help make your home buying decision.



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