What to Expect During the Real Estate Closing Process in Griffin, GA

If you’re buying or selling a home in Griffin, GA, the closing process is the final and most important step before keys or funds officially change hands. In Georgia, closings are typically handled by a licensed real estate attorney, and both buyers and sellers have unique responsibilities to prepare for. This guide will walk you through what to expect during the closing process so you’re ready every step of the way.

Understanding the Closing Timeline in Georgia

In most cases, the closing process in Griffin takes between 30 and 45 days from the time a purchase agreement is signed. Factors such as the buyer’s financing, title search issues, or last-minute inspection repairs can affect the exact timing. Smooth transactions tend to close on time when both parties stay in communication and respond promptly to required paperwork.

What to Expect as a Buyer

Earnest Money Deposit Shortly after your offer is accepted, you will deposit earnest money (typically 1% to 3% of the purchase price) into an escrow account. This shows the seller you’re serious about buying the home.

Home Inspection and Appraisal You should schedule a home inspection to assess the property’s condition. Simultaneously, your lender will order an appraisal to confirm the property’s value aligns with the loan amount.

Title Search and Title Insurance The closing attorney performs a title search to ensure the seller has clear ownership and there are no liens or claims on the property. Buyers often purchase title insurance to protect their financial interest.

Loan Finalization and Document Review Your lender will finalize underwriting and issue a clear-to-close. You will receive a Closing Disclosure at least three days before closing, detailing your loan terms and costs.

Final Walkthrough Typically 24 hours before closing, you’ll do a final walkthrough to confirm the property’s condition and that any negotiated repairs were completed.

Closing Day: What to Bring Buyers in Georgia typically wire their funds to the attorney’s trust account (personal checks are not accepted). Bring your government-issued photo ID and be prepared to sign:

• The Closing Disclosure
• Mortgage Note
• Deed of Trust (Security Deed)
• Additional affidavits or disclosures

Understanding Your Costs Buyers in Griffin can expect closing costs to range between 2% and 5% of the home’s purchase price. These may include lender fees, title insurance, transfer taxes, and legal fees. For a full breakdown, check out our Griffin GA Closing Costs Guide.

What to Expect as a Seller

Contract Acceptance and Earnest Money Once you accept an offer, the buyer will submit earnest money into escrow, which gets applied toward their closing costs or down payment.

Inspection and Appraisal Process Buyers may schedule a home inspection and appraisal. Be prepared for repair negotiations and ensure the home is accessible for these appointments.

Title Clearance The attorney will verify that you have legal ownership and that any outstanding liens or mortgages can be paid off at closing.

Prepare to Move Out Unless otherwise agreed, the home should be vacated prior to the final walkthrough. Remove all personal property and leave the home clean and in the agreed-upon condition.

Closing Day: What to Bring Bring your photo ID, house keys, garage remotes, and any requested documents. You’ll sign:

• The deed transferring ownership
• Affidavit of title
• Closing statement (settlement statement)

Understanding Seller Costs Seller closing costs in Griffin usually include real estate commissions, prorated taxes, attorney fees, and any agreed-upon concessions. These costs are deducted from your proceeds. Any escrow funds from your mortgage (if applicable) are refunded by your lender after closing.

Unique Georgia Requirements to Know

• Attorney Closings: Georgia law requires that a licensed attorney conduct all residential real estate closings.
• Wire Transfers: Any buyer funds over $5,000 must be wired to the closing attorney. Certified checks are acceptable for amounts between $1,000 and $5,000.
• Tax Prorations: Property taxes are prorated based on the previous year’s bill. Sellers receive a debit for their portion, while buyers receive a credit.

Tips for a Smooth Closing in Griffin

• Review all closing documents in advance
• Respond quickly to document requests from your lender or attorney
• Don’t make large financial moves before closing (for buyers with loans)
• Keep your agent, lender, and attorney informed of any delays or changes
• Confirm the closing date, time, and location ahead of time

FAQs: Real Estate Closings in Griffin, GA

How long does it take to close on a house in Griffin, GA? Most real estate closings take between 30 and 45 days, depending on financing and inspections.

Who handles the closing process in Georgia? In Georgia, a licensed closing attorney facilitates the transaction and ensures documents are legally recorded.

Can I use a personal check at closing? No. Georgia requires wire transfers for amounts over $5,000 and certified checks for amounts between $1,000 and $5,000.

Do sellers need to be present at closing? While it’s common, some sellers may be able to sign in advance or use a mobile notary if approved by the attorney.

What happens if there are delays with the lender or title? Delays can extend your closing timeline. Stay in communication and resolve any outstanding issues quickly to stay on track.

Whether you’re buying or selling, understanding what to expect during closing can help ensure a smooth and successful transaction in Griffin, Georgia.

Dekota Oechsle

With a decade of experience in commercial construction and a degree in construction management, I bring a unique perspective to my work as a REALTOR® and real estate investor. Specializing in residential, land, and investment properties, I am dedicated to helping my clients navigate the complexities of the real estate market.

What drives me is more than just transactions; it’s the relationships I build along the way. I believe in serving my clients with integrity and providing detailed, clear communication to ensure they feel confident every step of the way. My passion for real estate, combined with my extensive knowledge of construction, allows me to offer insights that are both practical and strategic.

I am committed to creating a positive experience for my clients, whether they are first-time homebuyers or seasoned investors. Together, we can turn your real estate goals into reality.

I’m here to assist you with your real estate needs; you can reach me at

770-268-0907 or via email at [email protected].