Closing Day in Massachusetts: What to Expect

This is it—the day you've been working toward. Closing in Massachusetts typically takes 1-2 hours and involves signing many documents. Your closing attorney will guide you through each one. By the end, you'll have the keys to your new home.

What to Expect

1-2

Hours at closing

50+

Documents to sign

Set of keys at the end

What to Bring to Closing

Government-issued photo ID

Driver's license or passport for all buyers

Certified or cashier's check

For closing costs and down payment (confirm exact amount with attorney)

Proof of homeowner's insurance

Policy must be in effect as of closing date

Checkbook

For any small adjustments or last-minute fees

Social Security number

For tax and recording purposes

Wire Transfer Timing

If wiring your closing funds (common for amounts over $50,000), initiate the transfer at least 24-48 hours before closing. Verify wire instructions by phone using a known number—never trust instructions sent via email alone. Wire fraud is real and devastating.

Documents You'll Sign

Document	What It Does
Promissory Note	Your promise to repay the mortgage loan according to its terms
Mortgage/Deed of Trust	Gives the lender a security interest in your home
Closing Disclosure	Final accounting of all costs, credits, and cash needed
Deed	Transfers ownership from seller to you
Title Insurance Policies	Protects you and lender against title defects
Settlement Statement	Detailed breakdown of how funds are distributed
Affidavits	Various sworn statements about identity, occupancy, etc.

It's Okay to Ask Questions

Your attorney is there to explain every document. If you don't understand something, ask before you sign. This is a significant legal transaction—there are no stupid questions. Take your time; the seller isn't going anywhere.

After You Sign

1.Receive keys, garage door openers, and any access codes

2.Get copies of all signed documents from your attorney

3.Record the deed at the Registry of Deeds (attorney handles this)

4.File homestead declaration for asset protection

5.Set up automatic mortgage payments

6.Schedule any immediate repairs or improvements

7.Change locks on all exterior doors

8.Introduce yourself to neighbors

Don't Forget the Homestead Declaration

Ask your attorney to include Homestead Declaration with the deed. This protects up to $500,000 of your home's equity from most creditors. The filing fee is minimal (around $35), and it's valuable protection. You can also file it yourself in case your attorney did not include it.

Congratulations, Homeowner!

You did it. From making an offer to getting the keys, you've navigated one of the biggest purchases of your life. Welcome home.