Closing (also called 'settlement') is the final step in a US real estate transaction where the property officially changes hands. At closing, the buyer signs the mortgage documents, pays closing costs, and receives the keys. The seller signs the deed transferring ownership. An escrow agent or closing attorney facilitates the process. In New York, closings typically take place at the seller's attorney's office. The entire closing meeting lasts 1-3 hours. From accepted offer to closing, the timeline is typically 60-90 days for financed purchases and 30 days for all-cash deals.
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