Seller's Closing Day Checklist: What to Do Before & at Closing in Florida

Selling a home involves more than just accepting an offer. Here's a complete checklist to ensure sellers are fully prepared for a smooth Florida closing.

Before the Inspection Period Ends

• Complete any agreed-upon repairs or obtain quotes if negotiating credits.
• Provide access for all inspections and appraisal with reasonable notice.
• Gather all warranties, manuals, and documentation for appliances, HVAC, roof, and other systems in the home.

Two to Three Weeks Before Closing

• Contact your HOA (if applicable) to request a payoff statement, estoppel letter, and confirm there are no unpaid dues or violations. Estoppel fees are typically charged to the seller.
• Contact your mortgage lender to request a payoff statement — this ensures the title company has the exact amount needed to pay off your loan at closing.
• Begin moving out. Vacate the property before the final walkthrough (usually 24–48 hours before closing).
• Cancel or transfer utilities effective on the closing date.

One Week Before Closing

• Review your estimated Settlement Statement (HUD-1 or Closing Disclosure) from the title company. Confirm all credits, prorations, and fees are correct.
• Gather all keys, garage door openers, mailbox keys, pool/gate/amenity access cards, and parking passes.
• Have the home professionally cleaned if agreed upon or customary.
• Complete your move so the home is vacant for the buyer's final walkthrough.

What to Bring on Closing Day

• Government-issued photo ID — driver's license or passport. All parties on the deed must sign and present ID.
• All keys and access items — include garage remotes, mailbox keys, pool fobs, amenity cards, and any security codes (write them down for the buyer).
• Proof of any repairs completed — receipts, photos, or contractor invoices if repairs were a contract condition.
• HOA/condo contact information and documents for the buyer.
• Appliance manuals and warranties to leave with the buyer.

What Sellers Sign at Closing

Unlike buyers (who sign many loan documents), sellers have fewer documents but equally important ones:

• The Deed — transfers ownership to the buyer. In Florida, a warranty deed or special warranty deed is most common (or a quitclaim deed in certain situations).
• FIRPTA Affidavit — confirms whether you are a U.S. citizen or resident alien (affects tax withholding).
• Settlement Statement — itemizes all costs, credits, and net proceeds to you.
• Various affidavits — no liens, no new improvements (60 days), gap affidavit, etc.

After Closing

• Keep your settlement statement — you'll need it for tax purposes. The net sale amount and cost basis information affect capital gains reporting.
• If you lived in the home as your primary residence for at least 2 of the past 5 years, you may exclude up to $250,000 ($500,000 for married couples) of capital gains from federal taxes. Consult a tax advisor.
• Cancel homeowners insurance effective the day after closing (not before, in case there's a last-minute delay).