✓ Have all agreed-upon repairs been completed to your satisfaction?
✓ Is anything missing that should have remained with the home, such as appliances, window treatments, or built-ins?
✓ Did the seller leave behind anything they shouldn’t have—like garbage, old paint, or personal items?
✓ Do the gutters and roof appear intact and in good condition from ground level?
✓ Has the seller removed all exterior items, including trash, chemicals, old paint, or building materials?
✓ Are there any visible signs of pests, such as wood damage or droppings?
✓ Do the garage doors operate properly? (You may receive remotes at closing, so it’s normal if they aren’t on-site.)
✓ Does the doorbell function, and is the mailbox in good shape?
✓ Confirm that water, electricity, and gas are on. Test major appliances: washer, dryer, dishwasher, stove, oven, refrigerator, and freezer.
✓ Run the heating and cooling systems (HVAC), regardless of outside temperature.
✓ Test the garbage disposal.
✓ Turn on all exhaust fans in the kitchen and bathrooms.
✓ Run every faucet with hot and cold water. Check for proper drainage and any leaks under sinks.
✓ Flush every toilet and ensure they operate and refill correctly without leaking.
✓ Run all showers and bathtubs.
✓ Test all ceiling fans and light switches throughout the home.
✓ Verify that any repaired outlets are working.
✓ Check for signs of new mold, especially in corners or areas previously hidden by furniture.
✓ Open and close all doors and windows, ensuring they latch and lock. Note any sticky doors or missing screens.
✓ Inspect ceilings, walls, trim, floors, and baseboards. Confirm agreed-upon paint or caulking work is complete and look for any damage that may have occurred during move-out.
✓ Ensure all fixtures—such as lighting, ceiling fans, blinds, and built-ins—are still in place. These should remain unless your contract states otherwise. (This does not include personal items like portable lamps.)
The final step in a real estate transaction where all documents are signed, funds are transferred, and ownership of the property officially changes hands.
A detailed, federally required document outlining your loan terms, interest rate, monthly payments, and all closing costs. Buyers receive this at least three days before closing.
A document from your lender outlining estimated loan terms and closing costs. This is provided shortly after applying for a mortgage.
A neutral third party that holds funds and documents until all conditions of the sale are met.
A neutral professional who manages the closing process, ensures documents are completed correctly, and handles the transfer of funds and ownership.
The company that researches the ownership history of the property, issues title insurance, and often facilitates the closing.
Protection against future claims, errors, or disputes over the property’s ownership history. Lenders require it; buyers can opt into owner’s title insurance for added protection.
The legal document that transfers ownership from seller to buyer.
A written promise to repay your mortgage loan under specific terms.
The document that secures the loan with the property as collateral.
The portion of the purchase price the buyer pays out of pocket at closing, separate from the loan amount.
Fees paid at closing for services such as appraisal, title search, lender fees, taxes, and insurance.
Adjustments for property taxes, HOA dues, or utilities based on how much of the billing period each party owns the property.
The deposit the buyer provides when making an offer, applied toward closing costs or the down payment.
The buyer’s last visit to the property before closing to confirm its condition and verify repairs are complete.
Fees the county charges to officially record the deed and mortgage documents.
Funds temporarily held after closing to ensure completion of outstanding repairs or items agreed upon by buyer and seller.
A document showing the exact amount needed to pay off the seller’s existing mortgage at closing.
Costs paid in advance at closing, such as homeowner’s insurance or property taxes.
A secure method of sending funds needed for closing. Buyers are often required to wire their final closing amount.
A detailed breakdown of all fees and credits for both buyer and seller, often used alongside the Closing Disclosure.
This provides the typical average amounts for common home-purchase fees paid outside of closing (POC) in the state of Georgia. Values represent widely used market averages and may vary by lender, region, and property type.
Georgia Average: $500-$650
Higher in metro areas such as Atlanta.
Georgia Average: $30-$40
Standard nationwide, GA lenders consistent.
Georgia Average: $375-$500
For ~2,000 sq ft homes.
Georgia Average: $75-$150
Required for many GA loans.
Georgia Average: $450-$600
Higher for large or rural properties.
Georgia Average: $100-$300
Varies by lender.
Georgia Average: 1-3% of purchase price
Common range in GA markets.
Georgia Average: $150-$350
Varies by community.
Georgia Average: 1-3 months of dues
Typical for GA associations.
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