If you've been eyeing houses for sale in West Seattle or keeping tabs on Seattle Washington real estate listings, you’re likely closer than ever to making a move. But before you pop the champagne or pack the moving boxes, there’s one crucial stage you can’t afford to overlook: the closing process. It’s where your deal becomes real—and also where mistakes, delays, or surprises can derail your timeline and finances. Whether you’re buying or selling, understanding these steps helps you feel confident, avoid missteps, and cross the finish line with ease.

Here’s what to expect during the closing process:

Mortgage Pre-Approval Is a Smart First Step

Even before you make an offer, getting pre-approved helps define your budget and shows sellers you’re serious. It also makes the rest of the process smoother.

1. Open an Escrow Account

An impartial third party—your escrow officer—holds onto all funds and documents until both sides meet the terms of the agreement.

2. Title Search and Title Insurance

This ensures there are no legal claims or ownership issues with the property. Title insurance protects you from any surprises down the road.

3. Hire a Real Estate Attorney

Depending on your state, an attorney may be required. Even when it’s optional, having legal advice can protect you from costly mistakes.

4. Negotiate Closing Costs

These can include lender fees, appraisal costs, escrow fees, and more. Always review your loan estimate and ask questions.

5. The Home Inspection

A licensed inspector evaluates the home’s structure, systems, and overall condition. This step helps buyers make informed decisions—or renegotiate if needed.

6. Get a Pest Inspection

Required in some cases, especially for certain loan types. This ensures there’s no hidden damage caused by termites or other pests.

7. Renegotiate the Offer

If the inspections uncover issues, buyers may ask for repairs, credits, or a lower sale price. This step is about protecting your investment.

8. Lock in Your Interest Rate

Interest rates can fluctuate. Locking your rate protects you from unexpected increases before closing.

9. Remove Contingencies

Contingencies must be met—or waived—before the deal can move forward. These might include financing, appraisal, or inspection conditions.

10. Confirm Funding Requirements

Make sure your lender is ready to fund the loan. Sellers should verify that the buyer’s financing is in place.

11. Final Walk-Through

Usually 24–48 hours before closing, the buyer walks through the home to ensure it’s in the agreed-upon condition.

12. Sign the Paperwork

This is where the deal is sealed. Expect to sign several documents related to the mortgage, title, and transfer of ownership.

The Bottom Line

Buying or selling a home involves more than just finding the right property or buyer. Following each closing step carefully helps you avoid surprises and keeps the process on track. With the right team and knowledge, you’ll be on your way to a successful—and smooth—Seattle real estate transaction.